'Settling' is about the only valid reason, in my mind. Besides the fact that factory alignments are often not perfect, bolts sometimes don't get torqued properly, ect.
Torque is mainly a problem with adjustments that use cammed/eccentric bolts. I've seen a lot of instances that I suspected were due to the bolts gradually rotating into a preferred 'rest position.' Has almost always involved rear camber being maxed out, often on cars that haven't been touched since they left the assembly line.
But needing front toe set (a.k.a. all that most shops do on a modern car when they sell a 'four wheel alignment') because you hit some bumps? No.
I think the frequency with which alignments are typically recommended is another remnant days gone by. People still basing things off of the behavior of older cars...with sloppier steering, more (and larger) rubber bushings to provide places for gradual wear, ect. Your typical newer sedan/hatchback/ect just doesn't need it as much. Not to mention that most of them only have provisions to adjust front toe. Possibly rear toe and camber, but even with IRS, there are sometimes no adjustments to made. Aside from tweaking the position of an entire rear subframe, or other 'most shops will never bother with this' tricks like that.
Most tire wear that is attributed to a 'bad alignment' is more the result of improper inflation, infrequent rotation, and sometimes just shoddy-ass tires. On a related note, a lot of claimed alignments issues (pulling) end up being from tires. Helpful hint: if there are no front camber/caster adjustments, an alignment will do absolutely nothing for a true 'pull.'
Adjusting toe will help center a steering wheel, but that's all- it will never cause a car to pull. No matter how far out of spec it is, it will always equalize once you start going down the road. E.g: with the wheel straight, you have 0* on one side, and .5* toe-in on the other side. Total toe...half a degree. Divide by two. Each wheel will be toed in .25*, with the steering wheel pointing to one side. But the car won't be trying to turn on its own.