I rarely cold crash. Just another step and if I have beers brewing in a rotation, I don't have the space to do it.
I also dry hop with pellets, but I agree that whole hops are much easier if you can't or decide to not cold crash. I just don't care much about clarity and once kegged, my beers rarely move.
The only time I do care is when a beer should be slightly turbid, but falls clear no matter what I do.