Not sure I get the reasoning here. That requires you to actually go and proofread the configuration of each and every running process, at which point it's easie

Not sure I get the reasoning here. That requires you to actually go and proofread the configuration of each and every running process, at which point it's easier to just verify the effective configuration on disk and restart the service. SSH is a special case because it leaves active sessions alive when it restarts, but that doesn't generalize to other daemons. Just restart if in doubt.