What if I don't have a bashrc?

It is fine not to have a bashrc file (apparently you mean a personal ~/.bashrc file).

The effects of not having the default bashrc file can be examined by reading what the default .bashrc file changes in your shell environment. There is nothing critical in the .bashrc file; bash will simply use (conservative) defaults when it is being run (for example, no aliases, no completion, no color ls).

If the shell is not interactive, the default .bashrc file is not parsed (there is a command at the start that checks whether the shell is interactive; if not, it merely exits).

If the system-wide /etc/bash.bashrc is missing, it is still not critical to the system. The most important element from /etc/bash.bashrc is to enable the command-not-found feature; when you type a command that is not found, it gives suggestions as to what packages you can install to get the said command.