I've done plenty of threading on my 7×16 mini-lathe and have never used the threading dial. I find it easier to leave the half nuts engaged. I back out the cross slide, reverse the motor, put the cross slide back in (to zero), and advance the cut with the top slide. This is a necessity, anyway, for those of us with an imperial leadscrew when cutting metric threads. I simply have the same practice for all threads.
I've not noticed any wear on the leadscrew. Swarf is easily brushed off. And if, like you say, you don't plan on doing much threading then your worries should be low. Aluminum swarf is almost always long strings so that's not a problem for the leadscrew. And if I'm turning something that generates minute swarf, like brass, I'll use a vacuum to catch most of it.
Great benefit is had, though, by having two half nuts as it give the carriage rigidity. I engage the half nuts when parting off and even facing most times. Not locking the carriage in some way risks it moving.