I feel like SSL certificates for local environments is a red herring. For 95% of the developers, I would imagine, absolutely do not need it and 4% that say they

I feel like SSL certificates for local environments is a red herring. For 95% of the developers, I would imagine, absolutely do not need it and 4% that say they do are using http://127.0.0.1 http://127.0.0.1 instead of http://localhost and wondering why they're getting errors that the site isn't secure?