I would argue that when you're still skiing relatively tame terrain, as @prologix is, the lower DIN setting associated with skier type 1 or 2 makes sense. You're not skiing anything where losing a ski is in itself a dangerous proposition. Torquing your knee is the biggest risk. As one progresses, one starts getting into terrain where losing a ski introduces a certain amount of physical danger. That's why newbies are typically given skier type 1, and more advanced skiers typically end up at 3.
It may be helpful, or not, to point out that there's a formula, but a lot of experienced skiers (not me) set their own DINs and have preferences that don't align with the formula. You'll hear people talking about DINs of 10 or more - typically for people doing big jumps.
A few years ago, I was skiing some mank and found my ski starting to torque my leg. I quickly went from "Crap, I'm going to lose my ski!" to "Crap, my ski isn't coming off!" The binding did eventually release, and my knee was slightly tweaked - it bothered me a little bit all summer - but not badly damaged. If you're not skiing steeps, I don't see why you wouldn't want the binding set so that the ski comes the F off in that situation.