Agree.
> harder to unit test
Disagree. I've implemented unit tests that connect to the normal staging instance of our database, clone the relevant parts of the schema into a throw-away namespace as temporary tables, and run the tests in that fresh namespace. About 100 lines of Perl.
That was five years ago. These days, it's even easier to do this correctly since containers allow you to quickly spin up a fresh Postgres etc. in the unit test runner.