You don't need 3 hands or an elf to solder SMD without a flux pen...it's very easy. Put a dab of solder on one of the pads, doesn't matter which. Put the solder down. Hold the part in one hand with tweezers, iron in the other, line it up, and tap the pad you soldered with the iron. The part will sink into the solder and attach to the pad. It won't be a clean or pretty joint, but that doesn't matter. Put down the tweezers, pick up the solder, do the other pins, and when you're done you can go back to the original pad to clean it up.
There are several major problems with this.
1. You have to decide which pad to pretin. If you're putting down more than one part, you will have to figure out which pad to tin on each part, so that you aren't tripping over your own feet. The alternative of tinning the pad immediately before placing the part would mean picking up the solder. Picking up the tweezers. Where did I put down my tweezers? Where is my solder?
2. Tacking that first pad takes time. If you think you could even tin that pad as fast as applying flux to both pads of a passive, multiply that by 5 parts and see for yourself
3. going back to the original pad to clean it up takes more time
If you add it up, dotting the pads with solder and using a CF tip to hold a big reservoir of solder makes many SMD jobs WAYYY easier. Faster. More efficient. More fun.
Especially under magnification, there are some advantages you would not even dream of without the experience.
1. When you are holding solder wire to make the joint under mag, you have no precise way to move the board around. You will reach down to touch the board between joints, or if it's big enough maybe move it around with your palm. If you preflux, you're holding the part with tweezers. Just don't let go of the part after it's done soldering. You use the part you just tacked as a handle, and you move the next joint into the center of your FOV with the tweezers, very precisely, and you always know where the tweezers are related to the FOV.
2. The tip of your solderwire is a variable. It gets used up. Repositioning your fingers on the wire takes time. Finding the tip under high magnification takes time. Tweezers are a constant. They connect your hands and eyes and board together under magnification in this dissociated little world.
These things make a huge difference to the workflow. When you add it all up, there's no comparison. If you do any sort of volume assembly, ever, you will find that out for yourself. Once you have this experience, you will groan whenever you have to do thru hole. Thru hole sucks.