No one "needs" tone chambers, or the weight and expense that goes with them. Many serious classical and jazz players "want" them because they are seeking a more refined, warmer, softer, drier timbre as devoid of overtones as they can achieve. Only you can decide if you "want" that sonic characteristic. There are many examples on youtube. But if you do not, you are not shorting yourself or any listener cohort regardless of their demographic. You are also not shorting yourself or anyone else if you choose a 3-voice or 2-voice accordion rather than one with more reed banks and switches.
Personally I don't give a damn about tone chambers and find them comically fetishized and overrated. I might feel differently if I played classical, but while I listen to plenty of it along with many other genres, I have zero interest in playing it on the accordion. For the types of music I do on accordion--tango, Balkan, klezmer, Paris musette, Irish/Shetland/Cape Breton, Scandi, . . . I actually dislike the cassoto timbre and find it de-natured, and denuded-sounding.
I'm not the be-all end-all by a very long shot indeed, but I've played at art openings, weddings, a Jewish senior center, a 3-shows-per-weekend 8-week run of a play set in pre-WII Nazi Germany, gazillions of pub sessions, and other settings. And nobody felt deprived or even noticed or cared whether I had tone chambers. One thing I've noticed is that there are people who hate the sound of accordions, and they hate accordions whether or not tone chambers are in the mix. Now, no one needs or wants a horrible-sounding accordion. I've heard my share, but they weren't horrid because they lacked tone chambers.