One should know two things very well to make this choice. First one must have a very good understanding of circuit theory, which includes understanding the physics of electricity. Second, one must understand the system requirements for insulation.
If you don't give us anything to judge how much of each of these you already understand, there's not much to discuss.
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"Don't disturb my circles." translation of Archimedes last words
There are so many possible answers to this question it is difficult to know where to begin.
So perhaps a few more specifics will encourage meaningful responses?
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"Did you get my e-mail?" - "The biggest problem in communication is the illusion that it has taken place" - George Bernard Shaw, 1856