bobmulder it depends how you would like to manage it.
If you want to put everything in a config file, you could skip the fallback.
If you only want to put some of the settings in the file, the fallback makes sense.
Also a few extensions might expect to be able to save settings anytime. I can't think of many examples, but for example my scratchpad extension saves the number of columns in the editor as a setting. So storing everything to file would make that control nonoperational.