Not a dumb question at all, it's also for capturing the excess solar and discharging that in the evening. I'm on the original legacy Feed In Tariff so right now being paid a smidge over 60p per kWh just for generation, then 50% again of what I generate as presumed export. Except that I don't export anything since it gets stored, though I still get paid for deemed export.
The ability to also charge at very low rates and discharge when it's expensive is part of the integration and my battery has a specific integration with Octopus Agile to achieve this.
You're not missing anything, it's an option to fully charge it cheap and discharge it later and that's what I was doing. My Agile rate average is still cheaper than the previous Economy 7 rate that I was on with Scottish Power and yes, I could do IOG but prefer to reduce the stress on the battery.
Like I said, lots of options with all this stuff, everyone has a slightly different perspective on it and different costing may work out to favour one option or the other. No single answer.