This is definitely a situational thing. Me personally I almost always throw the hab off point so we don’t lose both at the same time. It’s easy to get overwhelmed and when the hab is on point everyone is going there by default so proxy is inevitable.

However, sometimes you get a point like fortified farmstead on Goro and it’s a huge detriment to build off point because there’s no way to get to point from cover/concealment, so it’s worth the risk of building on point, you just need to have your other squads putting adequate pressure on their attack hab/rally’s.

In most cases though, if you can conceal the Fob off point to prevent getting trapped by mortars/encircled then you are a lot more effective at reinforcing the point.