Pretty usual routine is to develop site on localhost server and after some progress move it online. This transfer is complicated by three not-always-necessary steps.
- database settings in wp-config.php file are different
- settings of home- and site- URLs are different (defaultly located in wp_options table)
- eventually the base-path in .htaccess file is different
First two points can be easily solved by using single wp-config. Especially is the benefit visible at the point #2, when you don't have to browse phpMyAdmin for that 2 particular rows, because these paths are written into wp-config.php file.