Maybe I could bring some perspective.
For most of my adult life I was like most of us in that I hardly heldover or off. As I delved into long range competition shooting I started to see certain deficiencies in rifle scopes and reticles but primarily scopes with moa turrets combined with mil reticles or moa scopes with standard crosshairs or duplex type reticles and to further be confused I didn't realize SFP scopes have the moa or mil values correct on only one magnification which applies for wind holds too.
About 8 years ago I discovered FFP rifle scopes, nice! The only problem was I was topped out at what I could afford which meant I was saddled into to buying the cheaper line of Horus brand scopes. None of those tracked right which took me a while to figure out. It was a painful learning curve, lol. "Well there were other things I didn't understand too". So I was basically forced into a position to learn to become proficient at holding over and holding off. Over time I got very good at doing so.
A few years later a guy started a long range steel match in northern Arizona. Steel starting at 300Y on out to 1080Y. There I was holding over and off when everyone else was dialing elevation. Long story short it wasn't long before I was winning some matches.
When the Bushnell HDMR/H59 came out I bought one. I experimented with dialing and holding over. I decided to stick with what I was used to which worked out well. I won the 2011 and 2012 AZPRC championships against AZ's top steel shooters by holding over for elevation and off for wind.
I went on from the HDMR's to S&B's with the H-59 reticle. Nowadays I dial a lot, i'd say more than half the time, but honestly when I hold I wonder why I started dialing again. I can hit the same steel just fine either way.
Notably the AZPRC was held at the top of a hill and all the targets were anywhere from 13 degrees to 3 degrees downhill.
One thing is for sure, holding over is way faster. I'd use the extra time afforded me to get a better idea of what the wind was doing and to build a steady position which was part of the reason I was successful.
Congratulations on your success as a target shooter. But for long range HUNTING, the dots EVERYWHERE in the reticle can be somewhat distracting and can cause errors if you miss your dot count. In my opinion dialing is simpler under stress of having a live animal verses a steel target, especially in lower light lower contrast situations.