Generally, the programs I'm asked to write use a handful of known SQL statements called several times with varying bound parameters. In those situations, prepare/execute has definite speed advantages.
If you're only going to use a statement once during the life of the program (or connection), those advantages fade away. In that case there can be advantage, or at least convenience, in an all-in-one statement.
So without knowing your particular use case, I'm sorry to say I can't make your decision for you.
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