The only time it's a real pain is doing slotting, when there is nowhere for chips/dust to go other than into the plane of the table.
Steve Maskery did a rather elegant mod to his older table (documented here somewhere, with photos), putting a DX port right into the tabletop, on the outfeed side, to grab the dust and chips and preventing "trenching" cuts from clogging. You should find it if you use the search function. He and I both have Incra plates (and T11 routers) now, and I've got the inserts with slots to help with dust removal and airflow. Mine isn't installed yet (have to change the tabletop), so I don't yet know if it will serve instead.
Personally I wouldn't do one of those collection boxes either. I don't think you can beat simply going round with a brush and a crevice tool on the vacuum afterwards, not least because it makes you inspect the machinery and spot things before they become issues.
My present table has a pressed-steel open metal stand (an older Axminster "professional" product), and there's a 600x400mm open shelf about 100mm under the router. Chips get everywhere, but it is easy to clean too, and almost nothing seems to get into the router itself (Trend T11).
In contrast, I dismantled one of those big cylindrical routers (table-only design) a while back, to find that there was baked-on sawdust on the fan and other places inside it. I think it was used in a "dust collection box", so IMHO, no, those aren't healthy for routers.
Just my twopence... E.