Correct not required.
Details for my use case off topic
In the case of it being needed, as in my case for a VOIP device, I needed the setup for one IP on my subnet to use the IP/Table lookup and metric.
My router is always VPN via Wireguard, the VOIP device can not be encapsulated/tunneled.
This setup was recommended by @pavelgl and allowed me to move off the usage of VPN Policy-Based Routing + Web UI -- Discussion