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The question you're asking is designed to solicit opinions or best-practices on a particular topic, with the goal of reaching community consensus.

2
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If a canonical Q&A is created, I suggest it be in the form of outlining the 'smell test', similar to what I've laid out in my answer here https://money.stackexchange.com/a/88217/44232. Focussing on …
answered Jun 20 by Grade 'Eh' Bacon
1
vote
I was about to ask a similar question related to this post in the main site here: https://money.stackexchange.com/q/69388/44232, and saw this old Meta Q which could be revived for the same discussion
answered Aug 16 '16 by Grade 'Eh' Bacon