A guide for people making the decision for the first time.
Ask around and you will get a different answer every time, so here is the short version.
Where the confusion starts
Nobody is required to explain this to you, which is half the problem. There is a deadline involved, and missing it costs more than the difference.
What to check first
Nobody is required to explain this to you, which is half the problem. The exceptions matter more than the rule, and there are three of them.
Whatever you decide, write down why. The reasoning is the part you forget.