Durability / piece of mind is probably the most valid reason. Performance wise, they'll both do fine, but if you're pushing 29psi or running a front mount, the bar and plate is a lot less likely to leak or get damaged. For a stage 1 / 2 car with a factory location upgrade, I think it's more just personal preference (I do love a good aluminum weld).
It's not that simple. You are right about durability for bar and plate. But there are some other things to consider:
Bar and plate flows more air through the INSIDE of the intercooler, meaning from inlet to outlet, while tube and fin flows. Tube and fin flows slightly less air through the inside of the intercooler but it does allow more air to pass from front of the cooler to the rear of the cooler, meaning the outside air that is passed through the exterior of the intercooler. So then you have to figure out what the car/tune is asking for. Does it need air to flow faster through the inside of the intercooler or does it need air to flow faster across the exterior of the intercooler for better cooling. Then you start playing a give/take game between those two variables. I suspect this is where the real R&D goes into designing the intercoolers on the market: figuring out the amount of airflow within the turbo system vs how fast and efficiently it is cooled. The air is only inside the intercooler for a certain amount of time so is it better to flow slower inside there with better air flow across the exterior to cool it quicker? All of this depends on the turbo and piping as well. Some setups will move more air faster than others. Next, it is important to consider the platform you are using the intercooler for. As you said, bar and plate is stronger with better durability and they are great for front mount, such as right behind the air dam. Tube and fin is better when there is some sort of protection in front of it. For the MQB stock replacement intercooler, the intercooler is sandwiched between the ac condenser and the radiator, so it is very well protected. I was having issues with keeping my IAT down with an IE intercooler which is a bar and plate unit. I switched to an AMS unit which is tube and fin, and it works much better. I think this is because of how the air flow is limited with the intercooler being sandwiched. I just went through this part switcheroo and that is what I've learned through a couple different individuals who work in the intercooler field. I spoke with Ed at EQT, AMS and TyrolSport when trying to figure out the intercooler situation. Also, I have been talking to CSF about their race oil coolers and I will be switching from a tube fin setrab cooler to a bar and plate csf oil cooler which again, they both follow the same rules/laws of the intercoolers except with oil rather than air.
But either way, it seems tube and fin work better for stock location intercooler. Ed said AMS and APR are the best. TyrolSport said APR and Wagner are the best. Both said they no longer install IE intercoolers and do not recommend them for hybrid turbos. It's interesting that the APR intercooler is a bar and plate and highly recommended. Somehow APR got it right with the air flow inside vs air flow outside for that cooler. But I do have to say, the bar and plate coolers are significantly heavier than the tube and fin. I didn't weigh them because I was in a rush but the IE was at least 10lbs heavier, possibly more.