I am having a hard time trying to figure out when to use a 1-to-1 relationship in db design or if it is ever necessary.
If you can select only the columns you need i
From the logical standpoint, a 1:1 relationship should always be merged into a single table.
On the other hand, there may be physical considerations for such "vertical partitioning" or "row splitting", especially if you know you'll access some columns more frequently or in different pattern than the others, for example:
Databases are very good at manipulating the data, so I wouldn't split the table just for the update performance, unless you have performed the actual benchmarks on representative amounts of data and concluded the performance difference is actually there and significant enough (e.g. to offset the increased need for JOINing).
On the other hand, if you are talking about "1:0 or 1" (and not a true 1:1), this is a different question entirely, deserving a different answer...