This is another one of those HD-owner mythos questions, like not using the front brakes because "they are dangerous". Seriously. In those circles, I learned its considered some kind of 'skill' to put the bike into neutral at the last point before you put your foot/feet down to stop. So, if you're gonna be one of the "cool kids" in those crowds, it's what you do.
I'll keep bike in gear with the clutch disengaged, to assure ability to pull away quickly should need arise. And need has arisen. Several times. Odd you ask this, as only last week someone at a light that I was stuck behind, decided they were just going to back up. Did they check back first - of course not. I have no clue as to why, except that they wanted to be in another lane. As soon as they started to move I laid on the horn, and they
still didn't check back or stop. If I hadn't very quickly been able to pull the bike just a few feet away the lady would've flattened me.
I also usually keep my foot/hand on at least one of the brakes, and if no vehicles are immediately behind me, I keep an eye on my mirrors at intersections. People have this incredible habit of seeking their distractions as they approach a signaled intersection, and shockingly often stop looking forward as they complete their stopping. Problem is, they don't always stop completely when they should ... Had that happen more than once.
Only at the longest lights/RR crossing, when really blocked in, etc. do I put it in neutral. It's pretty rare.
http://www.teachmetoride.com/blogs/news (excerpted from the MSF). Here's the thing, what's good for newbs is usually good for the experienced as well. Personally, I will never put equipment longevity ahead of my own personal safety.
The pressure plate bearing I could care less about, nor should you: Not enough of a load to worry about for at least a couple of clutch friction plate changes (at the point of any clutch servicing that requires removal of the cover, one should inspect this bearing). Unlike some cheap-ass car-clutch throw-out bearing of yore, the bearing is also continuously lubricated with engine oil. Pretty beefy for the task to boot; nor difficult to change out.