There are actually many good reasons to consider using accessors rather than directly exposing fields of a class - beyond just the argument of encapsulation and making future changes easier.
Here are the some of the reasons I am aware of:
- Encapsulation of behavior associated with getting or setting the property - this allows additional functionality (like validation) to be added more easily later.
- Hiding the internal representation of the property while exposing a property using an alternative representation.
- Insulating your public interface from change - allowing the public interface to remain constant while the implementation changes without affecting existing consumers.
- Controlling the lifetime and memory management (disposal) semantics of the property - particularly important in non-managed memory environments (like C++ or Objective-C).
- Providing a debugging interception point for when a property changes at runtime - debugging when and where a property changed to a particular value can be quite difficult without this in some languages.
- Improved interoperability with libraries that are designed to operate against property getter/setters - Mocking, Serialization, and WPF come to mind.
- Allowing inheritors to change the semantics of how the property behaves and is exposed by overriding the getter/setter methods.
- Allowing the getter/setter to be passed around as lambda expressions rather than values.
- Getters and setters can allow different access levels - for example the get may be public, but the set could be protected.