One quick thing→just do it inline
A heavy or noisy side task→Subagent
Share it with the team→.claude/agents/ (in the repo)
Keep it just for you→~/.claude/agents/ (home folder)
Save money→cheap workers, one smart lead
Better results→let a fresh agent review your work
A giant parallel job→dynamic workflow (watch the bill)
Not sure?→"a pile I'll never re-read?" yes = subagent