I am also a firm believer in rules driven PCB design, however there are certain situations where disabling interactive DRC is necessary.
Our most common situation involves the use of "steering" resistors, where 1 pin of 2 separate resistors (a common signal) overlap each other and the remaining pin of the resistors connects different paths. The common pads overlap to reduce the stub and 2 resistors are used for an assembly option.
That to me, is a valid use case. Do you ever do routing with checking off?
For the use case above, I say better safe than sorry - I build the 3 pin steering resistors into my library and leave DRC ON. I try doing this with any Parts that need this type of use case. It is safer that way IMHO.
We always route with checking on!
In response to the 3 pin steering resistor, we decided against that primarily for assembly reasons.
We need 2 separate reference designators and x-y locations.