Even non-commercial flights may need to take-off at MTOW. If you need to put a bum in each seat, have bags & need to fly for more than an hour or two you will most likely have to make use of MTOW. Even short trips where range ordinarily isn't a problem can need more fuel due to alternate requirements.
Asymmetric at MTOW doesn't necessarily mean downhill flight from then on. Of course with wheels, flap & unfeathered that's the most likely outcome however as long as you have the a/c under control it's worth stopping to take a moment to assess what's really happening, complete the drills and then re-assess performance. But don't complete the drills if it means losing control &/or flying into a hill. There will be circumstances where a controlled forced landing is the best option. At least you'll have the option of using some amount of power to better manage the forced landing.