A little Googling turns up that SunOS at least used to have UDP checksums switched off to speed up its NFS implementation. However, RFC 1122 'Requirements for Internet Hosts' says that they must default to being on, so maybe the problem no longer exists. My general impression is that you're only supposed to switch it off when using highly reliable networks (and typically LANs), but that protocol implementors have been somewhat inconsistent about this in the past. The
Wikipedia entry on UDP says that UDP checksums are "almost always used in practice", and that matches what an hour or so of Google-research turned up.
Oh well, I'll just assume for now that it's always used, but keep this in mind if I get puzzling bugs...