We almost always deserialize to owned data, partly because our deserialization source is almost always compressed so the data has to be copied. There are a few cases where we want to serialize with a reference and deserialize to owned, but that's no big deal using custom "with" functions.

We have hit one serde footgun, which is that skip-serializing-if corrupts your data with formats like bincode :-(. https://github.com/serde-rs/serde/issues/1732 really wish that could be fixed.