As a low hour pilot, I prefer to be well set up on late final. Maintaining correct speed for me is not a huge challenge, but requires a little effort. Are we not taught to do this for a reason? The change attitude, airspeed is significant when changing flap settings. Adding a little more throttle can fix the issue and seem less fraught with danger to me than reducing flap.
Call me simple, but I prefer the low risk approach to flying.