I don't use my toaster much for ordinary bread, it gets used for soda, potato scones, crumpets, muffins and of course when my son is over, for frozen waffles.( My toaster has a de-frost button).
The beauty of toasters is you don't need to watch them. If I put anything like these aforementioned things under the grill, I would forget about them, and they would burn.
Anyway, my oven in Calis does not have a grill so toaster there is essential.