Should pros and cons that nobody talks about [v4]

There is a lot of conflicting advice online and most of it is from 2019. The trade-offs here are not obvious to me and I keep flip-flopping.

Mostly thinking out loud — feel free to push back hard.

Mostly thinking out loud — feel free to push back hard. Looking for honest feedback, not validation. Spent the last few weekends digging into this and the deeper I go the more questions I have.