Great post!

TDD is a sort of “Must Do” for promotion of good practices, im not speaking only about software programming, its kind of a thinking change, related to the way we handle problems and resolve them.

In Software terms, TDD its the way we can develop features thinking more about agile practices and testing.

Also, for my personal point of view, the possible fear about refactor code, its also about trying to understand and maintain some code built by another people, that is the more difficult thing to do (imho).

Regards,