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Unmounting is more important in certain situations than in others. The reason it's always safer to do it is because it prevents any application or process from writing to the card while you take it out and also prevents you from losing data in connection to delayed write operations.
The reason most people don't unmount stuff is that most mainstream home operating systems are setup to accommodate that. They got tired of people complaining of lost data, so both Apple and Microsoft minimized or removed delayed write operations (even though they're often more efficient and safer) and other transparent data access to those types of devices.
Android has done a bit of this, too. However, since the memory card is used so heavily it's hard to reduce writing completely and so it's far safer to ensure you unmount the card safely.
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