While it’s quite probable that you’ll never end up using it, any decent host will provide SSH access (maybe not with the cheapest plan, but it *will* be available). If it’s not supported at all, it *can* be a sign of a lazy or inept host.
As I said, most people never use it. But make sure you **don’t** use it unless you know what you’re doing.
My workflow is probably not in line with the masses, but I use NetBeans as my IDE. It’s configured to deploy css/php/etc via SSH. I also work with separate prod and dev environments. It’s very easy to test changes in dev and then promote the changes. Not sure how I would accomplish this without SSH.