Preset asset or create asset from script?

Hello! Looking for some feedback here.

Currently I am working on a chat system which includes some features which would rely on billboard GUIs, such as bubble chat and overheads.

My question is should I create these billboard UIs manually via a script, or should I create one and put it in ReplicatedStorage, then just change the text and whatnot as needed?

Basically I am looking at what is less performance-heavy for the user and would have the performance more optimized.