Using INCLUDE comes at the cost of bloating your indexes making scans take a considerable longer time, not having to chase that extra pointer works well enough

Using INCLUDE comes at the cost of bloating your indexes making scans take a considerable longer time, not having to chase that extra pointer works well enough in most cases (and if you are able to benefit from Heap-Only Tuples you can even have in-place UPDATES without needing to rewrite the pointer in every index).