Archibald wrote in post #19410297
You can test the card or you can test the USB port!

Yep, this is my motivation for using card readers! I have had many USB ports in pieces of equipment go bad, some computers/laptops, and many, many cellphones (that daily charging is a killer). I am normally in fear of damaging the USB port on the camera. I do download photos almost every day and often more than one time a day (though I do use multiple cameras), so on average close to the cellphone recharge experience. Can't comment on the reliability of USB ports on $800-$1000 cellphones as compared toi >$1000 cameras, but I think if they went bad, it would be very painful.
The card readers and/or cards are easily replaceable. The card slot/reader on the camera is the other failure point. Luckily I haven't experienced any failures in any of my cameras, so I keep using that. Admittedly, we are talking about a highly bias sample set of only about a dozen or so cameras over 20 years, but hey, it's working for me 
I will use the USB port to transfer images occasionally, most often when I'm traveling and forgot the CFExpress card reader.