Wrote code for many years sans ORMs.
Two features I enjoy in ActiveRecord and other ORMs, and why I would consider them a good standard practice for most things that aren't "toy" projects.
1. Easy chainability. In ActiveRecord you can have scopes like `User#older_than_65` and `User.lives_in_utah` and easily chain them: `User.older_than_65.lives_in_utah` which is occasionally very useful and way more sane than dynamically building up SQL queries "by hand."
2. Standardization. Maintenance and ongoing development (usually the biggest part of the software lifecycle) tend to get absolutely insane when you have N different coders doing things N different ways. I don't love everything ActiveRecord does, but it's generally quite sane and you can drop a new coder into a standard Rails project and they can understand it quickly. On a large team/codebase that can equate to many thousands or even millions of dollars worth of productivity.
I far prefer to write a concise, clear query instead
of trying to remember some ORM syntax
100% agree.
ActiveRecord strikes a good balance here IMO. An explicit goal of ActiveRecord is to make it painless to use "raw" SQL when desired.
On non-toy projects, I think a policy of "use the ORM by default, and use raw SQL for the other N% of the time when it makes sense" is very very sane.