Views has many options. You can change styling and structure of rows of data in interface of with templates. When I first started using views I choose templates, partly also because of not so much power in UI, but now you can do almost anything with UI. But after using UI, I would still recommend templates.
For example, you want to add some class to each field in a row, you can do that with UI, but you will need to add it to each field one by one (slow) and when you want to change it you will need to do that again. With templates you add this faster by code. Also if you migrate/git/develop and update you will just need to upload template which is easier and faster then synching DB. So conclusion is, templates are better.