You are right. But with a few simple actions, the galvanic reaction is slowed to the point of being negotiable. First stainless steel lands on the anodic index table at 0.50v and steel 0.85v. It is understood that having a difference of more than 0.15v in the harshest of conditions will cause galvanic corrosion, obviously we have 0.35v difference between these two. Slowing the electrical path between two such metals is easy because the voltage is so low. This is an electrical charge created by the two metals, not introduced current. First you have to have an electrolyte for the current to move between them, water with a mineral content (calcium aka. salt). That is something we know we can't avoid 4-wheeling. So next is an insulator. Anti-seize, grease, oil, paint, or any other means of isolating the two metals from one another. Now your thinking, why would I go to the extra time and expense of using stainless, first and foremost galvanic corrosion is not the corrosion we fight in our jeeps, it's oxidation of mild steel exposed to oxygen and mineral laden water. Stainless (not stain proof) doesn't suffer from this condition anywhere near as much as mild steel. Just look at the rocker panels on a 20 year old Chevy truck and the stainless steel Delorean car from the early 80s.
I have stainless bolts on the underneath frame that have been there for 5 years and they look new and will come out with a hand wrench, I have some new mild steel bolts in my skid plate that are starting to rust after 6 months.
You make the call. use them, don't use them. This is my experience having worked in the mining industry, one of the harshest environments (behind marine) on steel structures. Stainless bolts will release and come loose long after a mild steel bolt has rusted away.