The only time I’ve ever used a closer is on the rare occasions when I have a pitcher with elite L/R and pitch ratings, but DUR/STA that are really low, say 35/20. I figure those guys can only handle like 50-60 innings over the course of a year, which is what closers tend to get in my experience. If I have an elite pitcher with good DUR/STA, I’ll put them in the setup A role to try to get as many innings as possible. Imo it’s psychologically damaging to lose a game in the 9th, but in reality, giving up the losing run in the 7th inning is no worse. And these players are electronic, so I don’t worry about them being emotionally damaged from a loss. So I just try to maximize the innings my good pitchers get, rather than save them for the end of the game.
That said, I know a lot of people like to use closers, probably in part because it’s fun. A lot of HBD players grew up watching great closers like Dennis Eckersley and Trevor Hoffman and Joe Nathan and that Rivera guy, so they want one themselves. And of course, many people have practical reasons (like the mad monk in the post above) and just don’t agree with me on the details of the strategy. And that’s totally cool.