speaking as a physician, I've never examined a patient in daylight (aside from delivering first aid at a little league game and the like)- hospitals and clinics have primarily florescent lighting with (mostly) incandescent examination and procedure lamps, and little to no natural lighting. Most of us also used/trained with incandescent penlights until very recently. In comparing a mcgizmo sundrop (true "neutral white" 93cri nichia LED) to a high CRI xp-g light, I *personally* find the lower CCT xp-g more familiar and comfortable to use (and therefore more enjoyable), though to be honest I don't think I ever missed a diagnosis or had difficulty with a procedure when I was using a streamlight stylus (as a result of the lower CRI and much higher CCT) either.
Almost every light I own, including my penlight, are minimum 90 CRI XP-Gs at ~3000-3300k, because that is what I prefer to use. Neither cost nor availability have been limiting factors in that decision.
So I think that the bottom line is that really any light will do, high CRI is nice to have, and FWIW I'll put in one vote for warm white high CRI.
(My penlight is a minimum 90 CRI XP-G peak eiger, #4 output, medium beam profile, 2xAAA, all brass with a momentary switch, and in all likelihood will remain with me for the remainder of my career.)