Back when I was a 3d artist I was making good money as a freelancer. I would also work with a archviz studio as an "employee". Time went by and I leaned towards

Back when I was a 3d artist I was making good money as a freelancer. I would also work with a archviz studio as an "employee". Time went by and I leaned towards the "secure" job with the studio (instead of opening my own), cause from time to time I would have a hard time with my clients as a freelancer (sometimes they did not pay, sometimes they would ask for changes that would be a entire new work...). Making a long story short: the studio went bankrupt and let me go without any compensation whatsoever. Maybe I've should kept a few clients and not rely entirely on the studio. Don't know if my experience adds to the discussion, but I thought about sharing it.