Is there an advantage one over the other? In my current project, using the index with the dot is questioned as bad practice, requesting to always use the index() function, my question is, is this really necessary? what are the reasons? I understand that sometimes it is good to control the default value and set a null.
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Yes It's not best practice If you have fixed value for any local variable you can use that variable with dot but if you are defining local variable for any record or expression then you must use Index() function.