Scene or Prefab?

What is the best practice regarding using scenes? When does it make sense to use a scene instead a prefab?

Example:
I partition the World in Chunks. Each chunks creates a terrain etc.

I simply could create a new GameObject and add my chunk component at runtime.
Or I make a prefab with everything set up.
Or I make a scene with everything set up.

All these should work, but right now I'm not sure about any advantages/disadvantages because I'm new to sbox.

There's no real rules or best practices around this stuff. It's really up to you to find out your best way.