Do you think that a significant number of people do either of those things? For any who do, for whatever reason, then I would certainly agree with......If you are using multimeters arround mains on anything like a regular basis and/or you are using multimeters at all arround systems with higher fault currents than a normal domestic system ....
... but that's only really in relation to safety. Most people do not need the degree of functionality that Monkeh appears to require.... then I would STRONGLY reccomend both a good quality multimeter and a set of approved fused test leads.
Kind Regards, John