On facebook, a LuLa post referred back to an older essay on polarizers - https://luminous-landscape.com/polarizers/
There is one aspect of shooting with polarizers that a lot of people seem to miss: when the sun is high in the sky (around midday), most of the horizon (all 360 degrees of it) is at 90 degrees to the sun. This is unlike at either dawn or dusk when only specific portions of the sky are affected. Of course the specifics of when this works (and/or how well) will depend on time of year, as well as lattitude and longitude. It does however change the dynamics of shooting in the middle of the day in summer.
As for sunglasses, if they ain't polarized, I don't wear them. Thus if all I've got is a point-and-shoot or a phone with me, I can take them off and put them in front of the PS/phone camera lens to polarize the light
I've done that with my cellphone, but wouldn't think of doing it to a camera proper!
Again, as with you, I don't own non-pola sunglasses. However, when I lived in Britain, I got into the habit of using them if I had to drive in rain: it really did seem to help vision.
I also discovered, after my first model shoot abroad, that polarizing filters and tanned skin don't make for happy chemistry. In conjunction with Kodachrome, at least, skin turned into red rick. But skies looked impressive if not using wides!
I've used these same filters with digital to shoot clouds, and then turn them into black/whites. It works very well, but as I don't double up (with clouds?) I can't say whether the filter is superfluous or not... but shooting through water etc. it must work with digital: after all, it's the signal that's reaching the lens that counts.
Rob C