IMHO, a modern hobbyist should have these three solders on hand, especially if they do repairs too:
1. 63/37 leaded, for most uses.
2. SAC305 lead-free, for when working on boards already made with lead-free.
3. 62/36/2 silver-bearing leaded, for when you don’t want lead-free, but are working on silver contacts, like the silvered contacts of old ceramic hybrids and many modern SMD components.
Under no circumstances should the lead-free be used on old boards originally made with leaded, since the boards may be damaged by the higher temperatures. Using leaded on originally lead-free boards doesn’t risk damage, but one should avoid blending the two kinds within one joint, since that results in a random alloy with unknown properties, meaning sucking off all the old solder before installing the new. (So IMHO it’s often just easier to stick with lead-free on such boards.)