I see this very similar to IPv4 and IPv6, and adoption. Non content addressable URL addressing simply is "good enough" for most use cases, and bittorrent is "good enough" for serving content durably and somewhat in a content addressable manner (file hashes, magnet torrents, immutable torrents). Do we need IPFS URLs? It doesn't appear so, it seems like a solution seeking a problem. IPFS gateways will always be a target for abuse and copyright claims as well.
If you want to reference resources securely, https://developer.mozilla.org/en-US/docs/Web/Security/Defens... is available and widely supported.
My go to example: IPFS is Plan9 to bittorrent's UNIX. Some achingly beautiful design, willingness to completely disregard existing messy conventions(for example: The ipfs unified url format) and, like you said, still not enough better for people to want to change.
Oh and sorry I missed your comment on "Subresource Integrity".
The deal here is Subresource Integrity will only help you if the index.html is considered trusted/authoritative. So you still need a way to get index.html to users and users need a way to say "is this the true index.html"
I think something like IPFS is definitely needed. There is nothing stopping you from distributing a webapp on bittorrent but you'll also need to add a README for instructions on how to run the webapp on localhost so a browser can render it. So thats not something that any non-technical user wants to do.