Styling Views, Template or Custom Text?

Hello Drupal Community,

Hi, especially to Drupal themers.

I just want to ask, how do you style your views? I use custom text in views and then add classes there. This did the work and it is easier, but I saw some post in google about templates. Would you help me understand when to use a custom template for your views?

Thank you guys. 

Drupal version: 


Source: https://www.drupal.org/taxonomy/term/3/feed