I’ve survived this long without one, what am I actually missing?

Mostly, you’re missing the customers you never hear about — the ones who searched, found nothing, and quietly went to a competitor. Without a website you’re invisible for every search that isn’t your exact name, you can’t be found on “near me” queries, and newer customers who research online before buying may skip you entirely. You’ve survived on your existing base; a website is about reaching the steady stream of new customers actively looking right now.