Texture artists don’t like it. Rig artists don’t like it, and a lot of people just hate it. So the best thing to do is just avoid it! Modelling for yourself is different, but when you’re working with other artists it’s best to play by the rule that they all go by: No n-gons.
Since I am modelling for myself and experimenting, I can be flexible in this area. Sometimes I’m just lazy to clean up the mesh or haven’t decided on where things should go, so I end it with an N-gon to get back later. Cleaning up N-gons requires a bit of thinking, depending on your modelling experiences, but it’s very easy once you know what you’re doing.