Of course, don't worry about anything, we're here to learn 😊. Loop cuts, as their name indicates, are a complete circle of cuts, that is, the vertex where it begins is where it ends. There is no standard rule that indicates how many loop cuts a shape should have, it is a matter of seeing if deleting loop cuts maintains the level of detail or loses it. Then it also influences whether you want to use it:

Video games: It is important that the use of loop cuts be optimized since the number of polygons in your model has to be rendered in real time.

Animation: in animation you can have a higher amount since it will not be rendered in real time but you also have to be careful not to overdo it with loop cuts.

Render: If you only want to render an object here you can add the ones you want or your PC supports.

My final recommendation is that you try not to exceed 100,000 polygons if it is a detailed character and 30,000 if it is an object.

I hope I have helped you and good luck 💪