You will never really know unless the software guarantees that such an intersection can never result in a connection or you have access to additional information (the board layout, netlist, highlight tool, …)
If the software can not guarantee this then you suddenly need to trust a human to follow some convention. Which is total madness. (Humans are lacy, make mistakes, are incompetent, …) In such a case i prefer seeing junction dots even if the human followed some convention that would not require it. All it does is add additional information.
A missing junction dot at a 3 wire intersection would then be an indicator that the printout might have been damaged (or the software allows hanging connections -> in kicad this could happen when using a very small grid). One on a 4 wire intersection would tell me that either the designer did not follow the convention or the printout got damaged. Both would cause me to investigate it in the software it was designed in. (or if that is no longer possible reverse engineer this part of the pcb)