There are very very few GA aircraft stall in or spin in on final approach. There are many many times more taking nose wheels out or going off road on landing.
Yes. But every stall-in and every spin-in results in a casualty. Not the bent nosewheels and the bent propellers. They can bend as many of them as they want, I couldn't care less. But I care for every fellow aviator who dies for nothing - and "nothing" includes trying to be a "skilled" pilot by not wasting a single knot of airspeed on the approach . That's why adding a couple of knots is not such a bad idea.
Luckily, this decision is taken away from me because both as a commercial pilot and as an instructor I have operating and training manuals that state exactly how many knots to add to the book figures...