Heh, for that matter, manufacturers usually recommend against soldering iron entirely. Partly because of the intense heat stress, partly because solder is so much harder to control (my joints almost always end up blobby..).
And you can get away with it a hundred times in a row, sure -- but who knows. This is the sort of thing that production must know, and know very well: a failure rate less than one in a thousand, or ten thousand, say. So they'll recommend against using an iron.
All the same, if you're doing it by iron and don't have hot air or preheat or anything, you're going to want thermals just so you can solder the stupid thing. Especially on heavier copper (>1oz). Don't forget a generous toe fillet area, too!
BTW, the board may not actually get all that hot -- especially one with internal planes, thermal vias, etc. Those take a long time to heat up. You can easily do hot-air reflow without melting anything on the opposite side, for example. (Oven reflow should tend to melt everything, but the temperature in the middle of the board could still be below melting.)
On a related note... I never did understand how SMT electrolytics are supposed to work. Utterly huge thermal mass, very little soldering area exposed to the heat. Can those only be melted by through-heating the board, or what? I can see vapor-phase might work, but I don't see how hot air or IR would. I've tried using hot air once or twice, and it looks really sketch... When I'm building prototypes, I always use an iron on them.
Tim