Thanks for the replies guys - even more unsure now since anotherkiwi has given the opposite view to everyone else!
Kendalian
Mostly you don't really need one, if you have no throttle fitted.
They are generally quite easy to fit and having one fitted will save your controller or hub from damage should a wire or other fault occur.
Two faults that occurred to me on different bikes both throttle related.
An intermittent wire contact on the throttle, this led to bike rearing up due to a broke wire. Brake cut off stopped motor dead by cutting power from controller.
Wire fault traced and repaired and all ok.
Julet showed moisture ingress with oxidising tract between two copper pins causing power surge from throttle with out manual operation, again brake cut off cut power from controller.
In both cases with no cut offs applying brake would stop the bike but would not cut power to the controller, this in turn would either cause mosfet or other controller damage and even cause hub damage due to unregulated power surge.