If you don't have a closed system, you don't need an expansion tank. Many homes have an open system, so any expansion has free access to the whole supply system - you'd never see a pressure increase as it would dispurse throughout the entire system feeding your house and neighborhood. BUT, exactly for that reason that water could get pushed back into the supply from a house, and it could have gotten polluted in the house, many locations are now routinely installing a check valve in or at the water meter turning those once open systems into closed systems. So, you could have been living there for decades with no problems, the utility company does some 'routine' work on your meter, and now suddenly you have a closed system, and things leak because of the expansion and resulting pressure increase. If you have a leaky valve (say a toilet valve or anything that drips a little), that may be large enough to relieve any pressure buildup. But, if you're good about maintenance and don't have any leaks, since water doesn't for all practical purposes compress, it will expand and create increased pressure. This will often trip the T&P valve at the WH. But, it might just burst a weak supply hose to the toilet, washing machine, or a sink. That's the thing...those items are not designed to be stressed by high pressure on a periodic basis...an expansion tank is.
So, while you may get along quite fine without one, the circumstances could change quickly, and you need one.