Django does say to use get_user_model()… only when building reusable apps - i.e. those intended for use in multiple projects, installed via PyPI or similar.
I’m going to toss in an additional thought here, too.
When we want to extend User, we rely upon the User Profile pattern. (See the second paragraph at Extending the existing User model.)
Of the dozen or so Django applications I manage, only one changes the User model - and about half the time I regret that decision. In all other cases, one (or more) profile models are used to store related information about a user.
(I’m actually of the belief that the current User model is already too bloated and would be improved if it were slimmed down even farther.)