It depends on the person.
And compounding the matter is that there are many different personal perceptions of "neutral". Some like neutral on the cooler side. Some like it on the warmer side. Some like it right in the middle. It becomes very muddy after a while, and so many people resort to using color temperature numbers like 5000k or 5500k or 4500k color temperature to try to convey their meaning, which works pretty good if you are well versed in what color temperatures look like to you.
In the end it is just a matter of preference, and the preferences are all over the spectrum.
And then you get into color rendition index, which is even another sub-aspect of the color temperature, and is called "CRI". And there can be High CRI (or any other CRI) in any color temp range.
The technical reasons are that certain color temps such as warm have added coatings on the LED to make them this way. This also typically reduces the overall output some. In some cases it might reduce it by 1/3. That's a lot. But if you care about CRI more than output brightness, it might be worth it to you.
As far as cost, it will cost more to have a special bin selection like this, generally. But it might not be much difference at the manufacturers level. By the time it gets to the consumer market, it might be a much bigger difference as the marketing department might decide to charge a premium price for a high CRI light.
Many variables and personal choices.
Just pick what you like best.