The first two sims I created I didn't know about any of the cheats. Then, when I learned of the motherlode, I have been using that for most of my sims, but that is all. I don't like the starter homes and to build a home that I like, I need more than the 16,500 that is given.
When I am trying to figure out what to do and what the heck is my sim doing and what did I do to cause that to happen so I won't do that again, it was just to frustrating to worry about such things as keeping the house clean and needing to buy books for skills, such as the fishing one. The sim may not care if there are windows, but I can't really enjoy looking at a house that my artist or author is in when it is dark and dreary. So, bigger rooms, LOTS of windows, plenty of trees, flowers and other plants. Now, that is a home. I don't buy the nice stuff, tv, and such as those are from when my sim earns them with her income, depending on her career. An author gets a nice chair and good computer, but for the most part, the first one or the second best.
That is the only one I know.
I don't think I will use any of the others, but time will tell as I learn more about how to play the game.
For me, it is the enjoyment that counts, if the cheats help you to enjoy the game better, then go for them. If using them would affect your enjoyment, then don't. Isn't that the goal of any game, to be enjoyed while being played?