I have done both. In fact I used to host some crops in Florida. I am really glad for the online/virtual crops because of where I live now. I use my laptop because the screen is bigger. I have only done Zoom for scrapbooking once or twice and haven't managed to make another one yet. I like the online crops where you don't have to have the challenges done by the end of the weekend. I just did Victoria Marie's fall crop and we have till September 29th to finish the projects. That's good because my printer ran out of ink and I was right in the middle of a layout.
I've done several with Scrapbook Generation and I LOVE their challenges. Victoria Marie's challenges for fall were unique and usually the ones for SG are too. It would be nice if there were kits that came with the crops but that doesn't happen much. I do have one ready and waiting for an upcoming SG online crop.
I guess the thing is not to let the deadlines pressure you. If you enjoy chatting with others, these two that I've mentioned have lots of chats going on. If you don't you don't have to chat at all on the online crops.
The in person crops are fun because you can feed off the mojo around you. I usually go around and look at everyone else's work a couple of times during the day to see what they're doing and to stretch my legs. In Florida my friend and I went at least once a month when there was a LSS near both of us. Sometimes we went twice a month! LOTS of fun! We would chat with each other and sometimes not at all. It was nice because anything we might need was right there. I'd usually have to watch my budget if I planned on buying my supplies all at the stores!
As with everything, there are pros and cons. I kind of like the virtual ones because I can work at my own pace and chat when I feel like it. Best of both worlds I think.