When you can name 7 but only use 5 it would be madness to not have a sub keeper for 2 reasons.
First you’re pretty much gifting 3 points if your keeper gets injured. Don’t know the exact odds but I suspect a club is fortunate to get through a season without at least 1 keeper injury. We have had 2 broken arms for keepers in the same game in the past.
Second if a manager can’t deal with any game situation choosing 5 outfield players from 6 then you have either got the wrong squad or the wrong manager.