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
Separation of duties and abstraction of database tables.
If I have a user and I design the system for each user to have an address, but then I change the system, all I have to do is add a new record to the Address table instead of adding a brand new table and migrating the data.
Currently right now if you wanted to have a person record and each person had exactly one address record, then you could have a 1-to-1 relationship between a Person table and an Address table or you could just have a Person table that also had the columns for the address.
In the future maybe you made the decision to allow a person to have multiple addresses. You would not have to change your database structure in the 1-to-1 relationship scenario, you only have to change how you handle the data coming back to you. However, in the single table structure you would have to create a new table and migrate the address data to the new table in order to create a best practice 1-to-many relationship database structure.