Well...
This is the policy mobilisation put into a (very little) better visualisation:
View attachment 1212666
(source: ..\Darkest Hour\Mods\Darkest Hour Full\db\policy_effects.csv)
To the left no army, to the right total mobilisation. Everything what's colourcoded green is a bonus, pink is bad.
While it is true that having no army doesn't come with huge boni (except the usual: no supply cost, no fuel usage, no production cost) and if then mostly only at the extreme ranges like -10% tech team salaries etc., going the other way, though, towards mobilisation comes with a hell load of problems. Your road is pink. Production time, as important as it is, is the ONLY thing which is getting better when going towards total mobilisation, everything else is getting worse. Which follows the line that peace is the norm, war brings problems.
Do you think it needs even more?