Each approach has it's merits. Each style has produced innumerable hits, often times, with bands having hit with each style. (i.e., The Beatles, with any number of boy/girl songs, the most common message in songwriting history, and also with songs like Eleanor Rigby.)
Why pigeonhole yourself in to one type of songwriting style anyway? Write what you see, how you feel. If it tells a story, fine. If it simply conveys an emotion, just as fine.
There are no rules when it comes to creativity.
And as far as which side of the fence I personally fall on, it's both. Music is what whets one's own personal musical palate. That's the beauty of it. The same as the tongue having several different tastes buds that respond differently to sweet, sour, salty, etc, so do the musical taste buds respond to the many flavors of music.
Try them all.
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Be strong then, and enter into your own body;
there you have a solid place for your feet. ~ Kabir
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