You don't have to use JWT to get a standalone solution (see for example this guide which I wrote: https://fusionauth.io/docs/v1/tech/guides/single-sign-on/ JWTs are used briefly, but most of the heavy lifting is done with application sessions).
If you have a single application, definitely use devise, passportjs, spring security or whatever is in your framework. 100% agree. But pretty quickly you often are adding in a forum, helpdesk, GSuite for employees, etc etc and having a single source of truth for a user is good.
If you use "none", anyone can forge a JWT that says anything. I always say:
* You should have some other way of verifying that the JWT was unchanged by the client, like say being on a private network or using client TLS certs
and
* You should benchmark and know that the signing overhead is a significant source of performance degradation in your system.
Otherwise, sign your JWTs! :)