There's many possible workflows. If you are productive and making high quality animation, it's not a bad workflow even if you avoid our wonderful graph! 😆
I'm surprised you prefer the curves view, as that is mostly unique to Spine and most other software has a graph. Most people who prefer Spine's curves view are that way because it used to be the only option in Spine. We replaced the curves view with the graph, lots of people wanted it back, and now we have both. I find the curves view most useful when changing the curves of multiple keys at once.
Since the graph shows the actual, unscaled time and actual, unscaled values, smoothing the change in value as seen in the graph means smoothing the motion across the animation. When that is unwanted, separating keys should do what you need.
We'd be happy to better accommodate your workflow, if possible. When moving a key up/down in value space, ironically Spine doesn't do anything to keep the motion smooth. You say you'd like Spine to do less, but I think you actually want it to do more in this case.
For example, I have this curve:

In the curves view, the left handle is at 40%, -30%
and the right handle 60%, 70%
.
I moved the selected key down:

In the graph view, the handles are the same relative to the key. The shape of the curve gets smashed a bit, and I doubt that is ever desired.
In the curves view, the handles moved up/down (because their position is based on the percentage of the difference in key values (Y axis) between the 2nd and 3rd keys).
Now I moved the handles in the curves view back to where they were, 40%, -30%
and 60%, 70%
, and also adjusted the first key handle to the same position in the curves view (not shown):

This seems better, yeah? It's more similar to the original curve than the smashed curve we get by keeping the handles in the same position relative to the key.
It could be that we need a mode for adjusting handles when a key is moved up/down, similar to the Retiming
modes we have when moving a key left/right. We'll explore that more and see how it works in practice on various curves.