Don't use getters setters unless needed for your current delivery I.e. Don't think too much about what would happen in the future, if any thing to be changed its a change request in most of the production applications, systems.
Think simple, easy, add complexity when needed.
I would not take advantage of ignorance of business owners of deep technical know how just because I think it's correct or I like the approach.
I have massive system written without getters setters only with access modifiers and some methods to validate n perform biz logic. If you absolutely needed the. Use anything.