Not sure I see this as a "workflow killer" . . . but I probably don't have the same workflow as you.
I kind of like seeing the new bits of midi I've just recorded on top of the existing clips, and it only takes a few seconds for midi to bounce to clips (though I usually only do it for keeping it all neat and tidy) But hey, I'm all for reducing the amount of mouse clicks in my day.
I like your idea of an "auto bounce to clips" option, one checkbox to mouse click, in order to save ~100 mouse clicks.
And you could turn it on or off . . . hmmm that's another tiny detail to remember.
Like Bob says, post it in the Features & Ideas forum, I'll vote. . . . though if you "rarely use the program and have no need to upgrade to any future editions" . . . why bother ?