That's such an individual thing.
I have gradually converted most of my back yard and side yards into gardens. They are pretty, but they are also a lot of work. It took me an entire weekend just to spread mulch (and I have a little more to do). And that's considering that there's one entire large garden and one small side-yard garden that have so much groundcover that I don't need to mulch them. (Ivy covers a lot, but it gets invasive and I have to hack it back every so often. I prefer my Sweet Woodruff groundcover.) Even with the mulch, I still have to yank weeds out. And there's always the fall cleanup and spring cleanup. Lots of work. (My best work has been in creating hardscaping -- a brick patio and a dry-stack stone wall. Too bad I can't take those with me when I move. I lurv my stone wall.)
I'm fairly sure that I'll create gardens at my new place, after I move, but I will try for lower-maintenance plants. I might give up on roses -- mine always seem to fall victim to black spot or aphids, or both, because I never remember to spray in time, or often enough.
I'm happy to say that I no longer mow my lawn -- because I hired someone else to do that (as of last summer). *That* is a huge relief to me; I'd much rather work in the gardens than mow the lawn. But you might have the opposite preference. I'd say, go with whatever gives you the biggest feeling of relief.