However, I don't see the same issue with interior doors, and I don't notice any significant expansion and contraction with the wood floors in the house either.
When you install doors and floors in a house the materials are
supposed to be stored inside the building to acclimatise, to reach equilibrium with the surroundings. This potentially takes several weeks, which often simply isn't available in the real world. Hence the need to make allowances for expansion.
Once timber attains equilibrium it is obviously going to be more stable, especially if they are properly sealed (in the case of woodwork, by painting) and in a stable environment where there are only minor changes in RH, such as a centrally heated building.
If you don't see any movement
in your house, then I'd hazard a guess that your house is centrally heated, that the woodwork has been there several years, that it is adequately sealed (lacquered or painted) and that the RH of the house rarely varies much.
Other people live in different types of houses and as a joiner you don't know what situation you are installing into - so you need to make allowances. There are also situations where a house may be shut up and left, such as when a house is up for sale, or the owner is working away for several months - and if the house isn't heated, the RH of the air in the house can go up - then floors which have been fitted too tightly, with little or no expansion provision, will swell and bow upwards. I have seen this with laminate floors of houses which have been on the market for a while
As to doors not moving - I have spent a day and a half in the last week adjusting fire doors in one building, all internal doors, in a building which was ostensibly complete in October and.which were allegedly gap checked back then. In this instance I was dealing with shrinkage, which is nonetheless critical in items such as fire doors.
The fact that you haven't experienced wood movement doesn't mean it doesn't happen. Living with potential movement in a living material like wood is part and parcel of my daily job. Dealing with it is a combination of training, experience, manufacturers instructions and judgement
Even in what you are saying above (5mm hole for 4mm screws), that's more like the level of movement up to a few mm that I would expect flexible glue or other fixings to handle, but 10mm? I'm not saying it doesn't happen, but as a metal screw isn't also going to expand by 10mm, something else would have to give, either pulling the screw partly out or damaging either the wood floor or subfloor.
It doesn't matter if you disbelieve it. Wood moves, nails and screws bend, sub-floor timber fibres get crushed. You will also note that few joiners screw finished floors in place - better to nsil because nailed structures withstand movement far better (e.g. timber roof and floor structures which are invariably nailed NOT screwed)
The example you give of the concrete subfloor is not really a normal situation...
You asked for an example. I gave you two, one specific - one general (the skirting scribe instance), including the most extreme example I have ever personally experienced. I could equally have mentioned the bathrooms where the architect has specified laminate flooring, which even though it was installed with extra expansion allowance, it still expanded and buckled. I could also mention the parquet flooring which has bulged and buckled when the building was left unheated for months. And so on and so forth
It sounds like its safe to say, that someone installing in their own home with boards that are well acclimatised, might be able to skimp a little more on the gap, at their own risk of course.
Don't you believe it. People don't always follow installation instructions, not every house has a consistent environment, materials are't always stored or transported properly, stuff often isn't properly acclimatised or sealed, etc. You may think people ignorant of the issues can get away with it, and that my professional opinion is of no value - as someone who has installed more than a few floors over the years I flatly disagree with you