That "might as well" attitude is how I feel also. The 6 gear are plentiful enough that it's hard to say no if you can conveniently access them. Funny enough I have a 3 pinion 231 planetary in front of my own Ford 205 right now and it's performed just fine.. Granted the planetary bushings in it are toast and it's been noisy from day 1 due to its previous life (regret using well used parts in that specific scenario) so I'll be tearing it down and most likely putting a 6 planet in "while I'm in there".
There are 3 pinion and 6 pinion planetary sets on both sides of the gear cut change so I wouldn't necessarily say if you build it with 3 pinions now you'll be stuck with that forever, but you definitely have to make sure all 3 gears (outer, planetaries, inner) are on the same side of the break, whichever generation you chose.
When it comes to crawl ratio, it's definitely a case by case thing. And a huge part of it is engine displacement and rotating mass. Automatics definitely don't need as much ratio due to the slip of the converter, and V8's with heavy flywheels can wheel well below 1k rpms. My main experience is my jeep with a 4.7 v8 that I wheeled for years as an auto and then manual swapped with a 40+ lb flywheel. I was able to wheel it on 36"s with a sub-50:1 crawl ratio for years with a bit of clutch slipping, but the engine momentum gave me tons of leeway. I finally did the 231/205 and ended up around 95:1, but tbh I rarely use double low. Most of the time I'm either in the 1.96:1 of the 205, or the 2.72:1 of the 231. A small 4banger link a sami or yota is a completely different game though