/3/ - 3DCG

I have no clue how to do retopo for hard surface. I have trouble even retopoing a simple beveled inset, shrinkwrap just gets messed up.

How can I tell when should I:
>retopo by hand with shrinkwrap
>remodel by hand without it, just by aligning low poly with high poly
>getting low poly by removing modifiers from high poly
>just appy subd and manually delete loops for low poly?

When and where to use bevels VS support loops?

I always did this by just beveling the shit out of everything and sometimes using bools, but the topology is usually garbage with plenty of ngons and tris. It doesn't affect the final result in engine if it's not animated, but still it feels wrong and I want to do it "properly".