David discussed how XRPL offers a variety of options for programability for different use cases and objectives: 1) protocol-native functionality (Eg Xls20 based NFT, smart transactors etc) 2) Hooks (on-chain smart contract like programmability) 3) EVM sidechain
For example, 80-90% of NFT use cases could be addressed by simpler yet robust and secure features of Xls20, while some very specific / bespoke use cases may need full programability with EVM smart contracts.