Yes, it's needed only for stock rom simply because every custom rom comes with an unsecured boot.img by default
The install-recovery.sh issue is related only to the nexus s, i don't know why google made this decision, but if you flash clockwork on a stock rom and reboot your phone you'll lose the custom recovery because of this script (is a well know issue, if you make a search into the forums you'll find the related topic).
Btw, that was an example, the unsecured boot.img let you use adb with your phone, and isn't strictly related to the install-recovery.sh issue
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