I will put my hand up and say that I did over 1000 hours in SEP's without using a physical checklist.
Yes I did use them when told to during training.
All examinations in SEP's since then I haven't used them and its never been commented on including low digit exam call signs for FI tests.
The light aircraft stuff is quite bizarre how much stuff there is in them.
My work machine start checklist is 4 items.
TAxi 4 items
Lineup 5 items
After T/O 4 items
Decent 3 items
Appr 4 items.
Landing 6 items.
After landing is a flow.
And shut down is a flow.
Putting the aircraft to bed 6 items.