I usually compose the music for my games myself.
That said, with the rise of AI music tools recently, it's become a lot easier to get something that "sounds right" with minimal effort.
The reason I still choose to compose on my own is because I often work with niche genres (For example, something like this), and also because I like being able to use melodies that come to me during development without compromise.
A friend of mine often uses pre-made music assets. They don't have a strong attachment to BGM and just want something that fits the mood—and that works perfectly fine for them.
In the end, every creator has a different relationship with music in their games.
So I think it's best to go with whatever method feels right to you.