As a confirmed and experienced Peco user, I'll say "It depends".
I use Electrofrog. There is a bit extra wiring demanded and a bit extra that is good to have. The necessary bits are insulated gaps (plastic rail joiners or other) beyond the frogs to prevent shorts. You may also find you need to isolate the frog and put a switch on it if your trains short on the points. I prefer the look of the all-rail frog over the plastic.
Insulfrog lets you omit a lot of the insulated gaps. You still need some feeders to take current across crossovers. I like to have the normal insulated joiners to prevent trains trailing through a switch the wrong way. Some people have found that wide wheel treads can bridge the rails at the frogs and cause shorts. Some locos don't like the short plastic section.