The point about monitoring the nearest CTAF frequency is that today's instructions are to give radio calls prior to take off, so you know who is about to get airborne in your area. There is no imperative to make a radio call when you switch from CTAF to Area on your radio, so you are not alerted in the normal course of events. Also when flying cross country, even when over flying, inbound calls are made on the CTAF frequency, not the area frequency, so you are once again alerted, even by IFR traffic which is normally above 5000 feet on a different area frequency to that below 5000.