I never had any luck with non-ratcheting type.
For electrical work, I have a JIS certified (I bought it in Japan) crimper for non insulated terminals. It always works superbly. I also have ratcheted insulated terminal crimper purchased in US. I don't think this one is rated. As long as I use the right gauge cable with right terminal, it seem to work just fine. But it is very sensitive to this good match. Not so with uninsulated type.
For small electronics, I have about a dozen of Amazon sourced, Chinese crafted, ratchet crimpers. They work amazingly well. I won't use it if I were building life depending equipment or a space craft but no one asks me to build those. For what I do, they do just fine. I don't have a budget for buying manufacturer specified crimping tool for their particular connectors. When I was working for a company, I had to buy those "right" ones but for hobby, no, I can't justify it.
I really like the crimpers that crimps 360 degrees for sleeve type terminal contacts. Connectors and contacts are expensive though. They seem to make a gas tight connection even with my cheap 360 degree crimper.
I also noticed insulated terminals are almost always less sure on connections. I would imagine plyable plastic around barrel will prevent anything from applying enough force to cause cold welding.