I started out using HSS exclusively and then I bought something or another that came with a holder and some triangle carbide inserts. I went a long time without using them because I assumed that my Vevor 7 x 12 wouldn't have the power or rigidity to use them. When I finally decided after sharpening a tool like 3 times cutting a feature on a big piece of SS, I thought I would try the carbide. I was rather pleased by the job it did. I bought a couple sets of holders and boxes of inserts, and started using them a good bit. I like the nice shaping of carbide inserts. Whatever you want to do, there is a profile that will gitter done. If you blow out a point, just loosen the screw and rotate the cutter to the next point. For most of the stuff I do, the cheapies from amazon and fleabay are good enough, and very cheap. I still really like the flexibility of grinding a point on a piece of HSS, though, and tailoring the angles for the particular cut, and I love the surface finish I can get with HSS on aluminum or bronze or brass, or mild steel. But I like the durability of the cutting edge of the carbide, and the fact that they are sharp and ready to go right out of the box. I am still learning about all the different specs for different cutters and I am sure I am sometimes using the "wrong" one, but they always do a decent job if I am patient and I manage the cut properly. So yeah, I use both. I like both. And I can get by with just one or the other, for tthe most part, if I have to.