I’m also a big fan of watching with CC (sometimes it can be genuinely hard to pick up what someone says and it can be key dialogue). However anything in the comedy genre is the exception since CC ruin the timing of the jokes.
I absolutely get the worry (and reality) of jokes being ruined. In the end I bite the bullet because of the same reason I want CC's on all the time: I just miss or mishear things when I don't, sometimes to the point I don't understand the joke.
That said, sometimes subs (from places like OpenSubtitles) are laughable bad in that they don't know the "in-universe" words for a show (comedy or otherwise) and do best-guesses/phonetic spellings of things they aren't sure of which is it's own issue.
