I agree. Even with the laws against it, most laws everywhere permits it t be done "when you obtain permission." So, for someone who routinely tells people, "I have to record this call, is that okay?", then they should be allowed to use it when people agree to be recorded.
I would guarantee that for a freelance computer programmer who has contracted with someone, if that programmer gets permission to record phone calls and discussions where features of the program are determined, that programmer would have less issues (which run rampant in the industry) with what is commonly referred to as "scope creep" or "feature creep". That is, someone who states what they want up front what it is they want the program to do, and are constantly changing their minds about the scope of the program or the features the program should have, which causes the programmer to lose a lot of time (thus money) having to constantly re-work the program. If it was recorded, it would be easier to make people pay for changes, thus compensate the programmer for the time on the additional work needed to rework the program again, because it could be proved what the initial feature set was supposed to be.
I was a freelance computer programmer for many years. Even though my years as a corporate programmer were not as lucrative, at least I got paid the same even if the boss changed his mind about what he wanted. Just glad to be retired and not need this any longer.
However, the legal issues is not why the phone microphone gets locked down in Windows Phone. It's for security to protect the owner of the phone from malicious apps, and to prevent those malicious apps from being created in the first place. I don't know for sure, but I heard a friend once talking about his Android, and how he had installed malware without realizing it, and he found out it was taking pictures and uploading them, recording from the mic and uploading it, etc. I don't know for sure if that really happened, but he seemed to believe it did. I'm sure it is possible on that platform as open as it is to pretty much anything.
Yeah, if I needed it for work, I'd want the additional hardware to make sure the recordings were clear. I did notice there are quite a few Bluetooth models which are wireless. Not sure how they work exactly, but seems like they would be more discrete. Quite small, too.