The question is not which is better. It is which doubt you are resolving, because credibility and
UGC is credible because it visibly is not a production, which is exactly the property polishing destroys.
Studio video is better at detail, finish and construction — things a phone camera in poor light cannot convey.
Most catalogues want both, placed differently, rather than a decision between them.
Cost comparisons usually ignore the rights, curation and editing work that makes UGC usable, which is not free.
For demonstrating real-world use, fit and scale, generally yes, because it visibly is not a production and reads as credible.
The full guide has the formats, the deadlines and the worked examples.