I am making some big assumptions / guesses on the exact numbers, but the idea generally holds.
You say the vendor does some QT and takes care of the fish,
so lets say there is a low 10% chance of the fish being infected.
Of all infections and so on, ich is like 90%. (Unless it is a clownfish)
Unless you are experienced and have a good QT setup, the odds are actually
fairly high of stressing the fish, having ammonia spikes, and so on.
So lets say a 20% chance that QT will harm the fish, but 80% chance of full cure.
Plus, it is still not perfect, so lets say 1% get through.
You can also do bucket transfer method (TTM), that is quite safe, effectively kills ich, but ONLY ich.
So 5% chance of harming fish, 90% chance of curing ich, 5% chance of doing nothing.
So putting it all together....
No QT at all : 10% chance of killing everything in your tank, 0 risk to new fish.
Do TTM QT : 1% chance of killing everything in your tank, 5% risk to new fish.
Do full QT : 0.01% chance of killing everything in your tank, 20% risk to new fish.
Those numbers are almost certainly wrong, but you get the idea.
It is a choice. It all depends on your setup and everything.
I actually do both TTM + QT, but I have a big system.