I won't be using the bootloader but can it happen that I accidentally disable the debug port from software and then can't program the MCU via SWD anymore and need to use bootloader mode by putting BOOT0 high?
That's exactly why you might want to use a resistor and not a zero ohm jumper. With a resistor, you can manually override it with a piece of wire to the opposite rail start in bootloader mode once, without having to get out the hot air station and change the resistor.
Granted, if you have the hardware reset line brought out, and an SWD probe that actually drives it, and a suitable SWD software config (both common points of failure - and specifically a failure that may not be noticed in routine use, but only when this kind of recovery fails to work) then that is another way to work around disabled SWD lines.