Seems like F-stop is misleading.
No, because the f/stop controls the depth of field. This is often quite important in the way a photographer sets up a shot.
The T-stop is just a measure of the light going through a lens. With through-the-lens metering, which all digital cameras have, the exact light transmission is not particularly important. If you expose for 1/90th of a second instead of 1/100th, it won't make any difference in the final image. So the f/stop is more important than the T-stop.
In cinematography, it's important to have the same brightness when you change lenses during a scene. This is why T-stops are preferred for cinema lenses.
It is conceivable that one would look at the transmission of a lens before buying it; it can be a selection factor. I would be reluctant to buy a lens that lost half a stop. But then, once you've bought it, you can forget about it.
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Leonard Migliore