No sir, not where I dive. Massachussetts, Rhode Island, NJ, Va Beach, NC, and when I got cert'd in the florida keys I've never seen someone blow a bag for a safety stop.
Besides training, I've used one once. Anchor got yanked out, myself and the other diver I was with started one at 60ft. We were on a 120ft wreck in current. We had one so we used it since we had no reference to the boat. Having one for that situation wouldn't have been required since we didn't have decompression. We could have just surfaced just as easily. I've never had tons of insane boaters driving around by us. I don't really see how it's required for the OP's diving.
As someone mentioned, at her current skill level she isn't even going to be able to properly deploy one.
Her skill level probably isnt one where she can deploy one without trouble. Hence I think she ought to get some practice done in shallower confined waters to make sure she doesnt tangle herself up. 10 dives ago and I was still not getting mine perfect. A lot better now that i use a reel btw.
But seriously wow. And here I was under the illusion that nearly every buddy pair had an SMB and they used it whenever they could. I suppose you could live without one, I know people who do, but they arent the majority from where I come from. I do it more for the crazy boaters and to help my divers with a visual reference to maintain depth since they're all OW or not regular divers. Also I intend to do tech where I will need to be proficient with one. If none of these applies to the OP, then perhaps she may not need one.
Even then, its a good idea as a precaution against boaters and just in case you get washed off, knock knock.