how important is site certificate verification for cURL?

i am using curl to do secured FTP, both SFTP and FTPS.  however, if i don't use the --insecure option, i will get errors such as "certificate verify failed" and "SSL peer certificate or SSH remote key was not ok".  so i am wondering, how important is it to verify the server's certificate?  what's the worst case scenario if i don't?   if i have to verify cert, things will get tedious during deployment time as i have to download an up-to-date certificate bundle from one of the CAs and specify the location of the bundle.  thanks.
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mmingfeilamAsked:
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Ady FootSharePoint ConsultantCommented:
It's not that important - the work of the certificate is still carried out; i.e. the traffic is encrypted.
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