There is way too much rote learning about stuff like carb heat, and way too little actual theory, so we get people who never use carb heat because the POH doesn't demand it, people who use it all the time because they're afraid of carb ice sneaking up on them, people who are scared of dirt getting into the intake via the unfiltered carb heat air, people who are convinced Lycomings are ice-proof, and so on.
First, one of the things the regs demand is that we check the weather before we fly. Two of the items on the METAR are the temperture and dewpoint, and a smart pilot will pay attention to those to determine the ice risk for that flight. If there's a substantial spread between the two temperatures, ice is unlikely. There are dozens of charts available on the 'net showing the risk as it relates to those factors; use them. Way too many engine failures are attributed to carb ice, and one study revealed that more engines quit due to ice than any other factor including running out of fuel.
A carburetor is a tiny icemaker. As air passes through its venturi, its pressure drops, so its temperature drops as well. And as fuel enters the airstream in the carb, much of it evaporates. Evaporation involves turning a liquid into a gas, and heat is required for that change. The heat comes from the air, which gets really cold. Between the two factors, pressure and evaporation, the temp in the carb can drop as much as 70°F, so we can get ice at an ambient temp of as much as 100°F. It all depends on the moisture content of the air (which is where temp and dewpoint come in) and the particular quirks of an engine and its installation.
Yes, Lycs bolt their carbs to the oil sump, so the carb stays warmer and is less likely to ice up. But I have had Lycs ice up on me in cruise on nice summer days. We had Lycs ice up on our students and instructors on beautiful summer mornings, first start of the day, when that oil sump wasn't warm yet and the dewpoint was high enough to get some ice. I'd hear the engine start and run at 1000 RPM for a minute or so, then the pilot would close the throttle and the engine would try to quit, so he'd just open the throttle some, not realizing that he had ice already. That has killed folks, taking off with ice in the carb, limiting the power output. I would run out and we'd have a little chat and I'd get the guy to pull the carb heat and see what happened; their eyes would get real big when they realized how insidious this thing is.
The small Continentals have their carbs on an intake manifold that gets very little heat transfer off the crankcase. The O-300, though, has the same sort of setup as the Lycoming: it's on the sump. Beware of internet legends.
Dirt in the intake? How often do you see dust in the air, especially at altitude? We ran a bunch of flight training airplanes with carbs, taught the proper use of carb heat, the students used it on every approach, and all those engines ran all the way to TBO and still had compressions in the high 70s. Dirt is a thing to worry about when you're operating off dirt strips, or if some other aircraft has kicked up a bunch of it. And the carb heat box on most airplanes is a sorry affair, having numerous places where air can get in past the filter as well as through the carb heat muff and past the sloppy-fitting control valve plate. You should avoid dust anyhow, even with the carb heat closed. But for Pete's sake, don't avoid using carb heat because you're afraid of dust; that carb ice will kill you dead in minutes, while the dust might only shorten the life of the engine, and it would take more dust than most of us ever see.
Boat engines, you know, don't use any air filtration at all.
The POHs for many airplanes are totally inadequate. They don't cover the subject of carb ice well at all. You have to study up on it yourself, especially since your instructors often don't have any handle on it either, and they tend to convey no info or totally wrong info, and the student eventually gets into trouble when his carb ices up. As long as most of us can only afford to fly carb-equipped airplanes, we owe it to ourselves and our passengers to know the stuff and use it.