As a GM, I want my crunch in the game’s procedures because that is what will tell me what it’s about. For NPCs and creatures (and hazards), I’d prefer to have as little as possible. Just give me a table of values. They don’t need to be built like PCs. They don’t need five different skill values for skills they’ll never use. Keep it minimal but functional.
For players, give them enough crunch that they’re happy with their ability to customize their characters and have fun playing, but don’t make it so much that they have to keep looking up how their characters work. When this conflicts with the GM stuff, defer to that.