I wouldn’t say never. I had never used more than a barrel or two of $25’s from my PCA set in 8 years to having everyone of them (200) in play and and several $100 chips in play too.
Be it by inflation or finding players that want to play higher stakes, I would want more bank depth as well.
Hmm, not as big a price difference as I'd thought. So now, playability comes into question. What is my workhourse chip? The 20 adds bank and some versatility for growth, the $5 might add more playable "workhorse" chips at lower stakes