You still need to lube when using carbide, but because they are slicker, if for any reason you don't use enough lube, the chance that the case will get stuck is lower, and easyer to pull out.
Spread over thousands of rounds, the price difference is meaningless between carbide and steel. If you're worried about the price, get a set of Lee carbide, it's really not expensive, and if you upgrade to another brand later, you keep using the factory crimp and the shellholder, and these 2 parts are worth almost 1/2 the price of the set anyway.