I ALWAYS use checklist on all the a/c I fly.
Yet I have been ridiculed by fellow pilots that "I should know how to start it by now", pax asked "you using that - don't you know what you re doing?"
I always use a checklist unless I'm flying extremely regularly. I used one yesterday for my first trial lesson of the day, since I hadn't flown for nearly a month, and said, without being asked: "Of course I know all this, but as the airline pilots do, we use a checklist every time as a safety precaution". All true, and a student or pax is unlikely to argue with that. As for fellow pilots - anyone who ridicules me I don't fly with again; I don't need that.
But as for preventing overspeeds, I doubt it would make any difference. As has been said before, its distraction, overload, fatigue, or a combination of those. We're all human and mistakes will happen.