You are wrong sir...! Under normal circumstances, the only difference wrt reference numbers is that buyer doesn't need to do anything with the reference number, so it used to be pretty much useless... RCMPs software still generates a transfer number within the same database as individual-to-individual transactions. As the buyer, you can still use it to call in RCMP if there is hold-up on the transfer.
Nowadays, if you have a reference number and you may have the means to contact your CFO, one may get their transfer completed very quickly, instead of waiting 8 -10 weeks...