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You can start steam just fine without the packages. In fact, if you install without them, it’ll ask you to install them every time, but you can skip that and it’ll work, just 32bit games won’t launch
Edit: Looks like I’m partially wrong, as pointed out by a commenter below, steam currently only launches the 32-bit version of the client, despite support for a 5l64-bit client
The main reason for Ubuntu against Debian is the packages. For Ubuntu, they’re much newer, and with PPAs (launchpad.net), you can often get more and/or newer packages built by other users. For debian, good luck, you’re stuck with old packages (which is the intent of Debian stable, but not nice as a user, that’s for server)