I will post this answer just to add on to others' answers. And I will not accept my own answer.
Adding to Andrei's answer, a stream enterer, once-returner and never-returner all would still have conceit or self-habit (a higher fetter), even if they have overcome self-view (a lower fetter). Hence, they may still need this reflection as skillful means.
This is ...
"the monk, when not loaded down, does not load himself down with pain, nor does he reject pleasure that accords with the Dhamma, although he is not infatuated with that pleasure. He discerns that 'When I exert a fabrication against this cause of dukkha, then from the fabrication of exertion there is dispassion. When I look on with equanimity at that ...
I think these excerpt taken from Ajahn Chah Teaching could be the answer:
A sotapanna is still sekha puggala (a person who needs to train) so some of the conventions of teachings are needed.
Usually when we talk about practice we talk about entering and
leaving, increasing the positive and removing the negative. But the
ﬁnal result is that all of these are ...
There are several koans in the zen tradition that address this very issue most notably Hyakujo's Fox from the Mumonkan. When one gets a taste - or even a veritable feast - of awakening, the experience can be so profound and liberating that one can think that there is no work left to be done. From the Mahayana perspective, of course, this is patently absurd....
Suppose an ordinary being thought the following:
“My friend purchased a new car the other day. That car is useful for
them to get from point A to point B. That car is theirs. That car
would also be useful for me to get from point A to point B. However, I
should not take that car as it is theirs and not mine."
Now, after this ordinary person wins ...
The point of contemplating kamma inheritance is for it to become the inclination of the mind as a dominant perception due to a frequent giving of attention.
A sotapanna can be excessively heedless and has to often reflect on being the heir of the good & bad for the undoing of ill.