If you're doing something as a hobbyist, then you should try and make it as easy as possible. If you are making electronics commercially, then you basically end up on a path where you have to use RoHS solder (because you can't ship stuff to a lot of the world if you don't), use the minimum amount of the lowest activity flux you can get away with, don't use halogen based activators, etc. You end up with a stupidly narrow process window, but once you get it all dialed in it's fine.
If you are going this stuff as a hobby then you would have to be a masochist to use the same rules - so you should use SnPb solder, and Peter North levels of the highly active flux to get the widest process window you can - sure, you're going to have to clear the board off afterwards, but if you are making stuff in fairly small quantities then that's not going to take long and you will probably end up saving time overall because you don't need to do any rework.