if you are in a fc and have people help you out... or friends that can teleport to your house whenever they want to
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I currently tend 14 gardens. I tend them twice a day, 8=9ish and 3 - 5ish..
I fertilize once, when I plant, so they will come ripe before I check on them, if planted after 4:30 I will try to remember to fertilize twice. I don't always remember.
On crops that take a super long time like Thav Onions, I totally think it's worth fertilizing. You can easily fertilize them 24 times over the course of 8 days (that would be 3 times a day), to cut the growth time down by a day (to 9 days). If you can fertilize them more often, then you can cut them down even more. On most crops, I'm in the not too worried about it camp.
If you have no life-fertilize, otherwise, don't bother :) The only thing I fertilize are the colored flowers to get what I want.
I fertilize when I log in, a second time when I'm getting ready to switch gears between content grinds and then a third time when I log out. Sometimes they'll get more than they benefit from but other times it makes up for the days when I play less than usual and fishmeal is cheap enough that a little waste isn't a concern.
If you fertilize 2-3 times while growing (not every day but total), it means the crop should be ready to harvest when you log in instead of needing to wait until it's been that exact 5 days (or however long) from when you planted to harvest. Without fertilizer you'd eventually end up at the point where you're waiting an extra day to harvest because you need to log out an hour before the crops are ready.
If you only occasionally grow crops, it doesn't matter but if you do it regularly it makes a noticeable difference over time.