If you will not need money in the future is it worth the hassle to get a line of credit (home equity) anyway?

I own two houses out right and have a good retirement income. I don't see the need but friends and a tax accountant say it is a good idea for ';just in case ';. I have ample savings to handle any foreseeable future problems. I dislike filling out he paperwork and getting the free house appraisal ( I am big on keeping life simple)