ref() vs reactive()

TLD;DR

My recommendation is to stick with ref() for everything even for arrays and objects. Map() and Set() use reactive().

You may say that reactive() works and easier to use. But it's not the case. One incorrect usage of reactive() and it will break Devtools, SSR Hydration, and Plugins and over time, you we end up with bugs that are really hard to trace. And worst of all is that you don't get any error logs about it.