The item that seems to be overlooked here, is the runway being approached.
At an airline airport, the runway is very long, and a training plane can safely be flown down to flare at relatively high speeds, and still touch down with plenty of runway in front of it. Keeping up your speed there is usually important to those behind you.
At small airports with shorter runways, getting into a suitably slow approach speed, and configured to land should be done further out, to assure that when the runway comes in sight, the landing may be made at the numbers without forcing it on. There is rarely another plane behind you.
Going into BWI in a 172 or PA 28 200 R, I fly at 90 K, 10 degrees of flaps, and gear down, trimmed for hands off. GUMP check right after the outer marker. All the flaps and slow down to 70 K at 200 feet, set down on main gear, brake hard, and off at first taxiway that is reasonable for my speed, often 20 to 30 K if it is wide. That clears the runway for following aircraft. Floating down the runway, waiting for the speed to bleed off and touch down ties the runway up much longer than adding all the drag you can, in the air, as soon as you can.
Landing at many small, 2000 to 3000 foot runways, at the outer marker, I have 20 degrees of flaps and gear down, plane trimmed to 5 or 10 above stall for the weight of the plane, GUMP check done. The drive to visible and landing is then done with no configuration changes needed for a touchdown at the very beginning of the runway. The short runways that I have landed on IFR, as short as 2400 feet, the Cessna flaps go to 40 as soon as the runway is in sight, and a go around is unlikely. Trim is not changed for the 40 flaps, to reduce to workload if a go around does take place.
If the minimum descent is 200 AGL, the configuration change for a go around is easily done, and although the climb rate is initially slow in the Cessna with 20 flaps, you are climbing as you retract the flaps. The retractable Arrow, get the gear up fast, that improves climb dramatically, the flaps are less of an issue on Arrows.
I enjoy a completely stable and trimmed plane as I concentrate on flying the approach, and the cross checks and regular scan is not interrupted by configuration changes, especially the very expensive gear forgotten due to a hairy turbulent approach with a crosswind. I normally flew without a co pilot. Having flaps down is less important if you have a strong head wind, so wind does change the plan.