Overexposing whites and then pulling them back loses detail.
This is simply not true. Pulling back exposure (as long as you don't clip it!) does nothing to harm the detail, and depending on your editing, can actually substantially improve your detail, because data from the entire scene is stored in greater precision when you ETTR and have more light (i.e. original data: photons)
Hypothetical infographic for what it would be like for a 4 stop dynamic range camera, shooting a scene with approximately 3 stops of dynamic range:
View attachment 70051
Same exact hypothetical scene, exposed to right, center, left, without clipping. The data stored by the RAW is greatest and most precise with ETTR. Depending on what edits you're doing, pulling it back down in post will either preserve as much information as in centered exposure (if all you do is pull it down for instance), OR add more (if, for instance, you up the contrast in post).
In no situation ever will it remove detail. (unless it required a long enough exposure that you got motion blur, of course) The further to the left you go from ETTR, the coarser the data that is stored gets, and the less editing latitude you have.
I'm not saying people should always ETTR. It does take time and chimping and requires more light, which might be deal breakers, depending. What I am saying, though, is that ANYTHING in between centered and ETTR exposure will always be as good or better in detail and smoothness than centered exposure would be. Thus, you almost always have a big enough range of options that you can trivially eyeball it from the histogram and not lose anything at all, because
anything within that range is either as good or better.
You are correct that black and white cards might save you time in post processing, I guess. But they simply add that exact same time in the studio instead... considering that you can batch process RAWs and thus only have to make the correction once, either way. So why spend the same amount of time AND also pay for and carry around a bunch of cards and junk?