While this is true, consider that the huge library of built-up optimizations in a well used collision library like Havok very likely makes up for these checks.
Alternatively, they generally offer a lower level API such that you could just always call: `Havok::CheckCircleAAPlane` and then not have to worry about Havok doing it's dispatch. But then again if you don't use Havok's spatial culling you're likely missing out on a whole lot of optimizations, and advantages to using Havok.
I used Box2D it with C before and loved it, but with Javascript every bit of CPU I save I need for doing the game logic in my amateurish ways :) I'm a sucker for particles etc, and since I don't need accurate physics, it would just be throwing away resources I could use for stuff I do need (or rather want).