Quote: "But who reads all of that?"
Well since spyware and adware has become so prevalent, I always read the EULA and any accompanying documentation before installing a program if possible. You can't be too careful these days.
I also run anti-virus etc. scans on magazine cover discs before using them. I can't remember if it was PC Zone or PC Gamer that once came with an infected cd. They had to include a program with the next issue to get rid of the infection for anyone that had it.
As PAS says there is no shame in using an engine to help you make your creation. Not everyone has the ability to program their own game engine. If it was cheaper I'm sure we would all be using the Unreal engine.