It is all about where you live with weather conditions and the type of tree and soil.
For me, we get floods and very heavy rainfall constantly. Our battle is keeping the feet of our trees from getting too wet.
We build 6" -12" mounds and use thin to medium cut cypress mulch a foot away from the trunk to about 6 inches or more beyond the drip line, because it is great for drawing out and repelling moisture when conditions are rough. Not only doesn't mulch provide those many benefits above, such as soil temperatures and moisture with beneficial microorganisms, it also keeps the top soil in place when floods wash everything away.
Then we grow some native fruit trees which grow with the grass, flat to the ground and the only mulch they get is their dropped leaves or the leaves from our magnolias (which is highly nutrient).
Everything else goes in raised beds or pots and still gets mulched.
Also for non fruiting trees, aromatic cedar mulch works well repelling tons of insects. Use it cautiously around fruiting plants and trees, though, as it can also repel pollinators.
Unless you are growing native local fruit trees, I recommend mulching--but how much and what type depends on your overall conditions.
Mulch a citrus? Well, I have done both and saw no difference other than when using mulch I had less tree drownings and better survival rates in colder weather, as well as in hot humid weather. Only benefit I got from not mulching was I saved time, money and effort. When it comes to my plants, I'm a glutton for punishment.