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
It makes sense to use 1-1 relationships to model an entity in the real world. That way, when more entities are added to your "world", they only also have to relate to the data that they pertain to (and no more).
That's the key really, your data (each table) should contain only enough data to describe the real-world thing it represents and no more. There should be no redundant fields as all make sense in terms of that "thing". It means that less data is repeated across the system (with the update issues that would bring!) and that you can retrieve individual data independently (not have to split/ parse strings for example).
To work out how to do this, you should research "Database Normalisation" (or Normalization), "Normal Form" and "first, second and third normal form". This describes how to break down your data. A version with an example is always helpful. Perhaps try this tutorial.