First off, welcome to the Smokin-It Forum from ND! When you get a chance, create a thread in the Introductions section and tell us a little bit about yourself and what brought you to us.
That being said, the guys are totally right. It is really a personal preference and you owe it to yourself to try it both ways.
I have converted to 5-6 no peak for baby backs and 6-7 hours for St Louis cut with St Louis being my favorite. I got tired of messing with foil. Now, foil is only used in my smoker to line the bottom of the smoker and the smoke box and also to wrap the finished product while it is resting in my cooler prior to eating.
I like a nice bark and just a touch of chew on my ribs verses totally fall off the bone (personal preference). My ribs are still clean to the bone, but they aren't fall apart. This is why the no peak works for me.
If you don't like or need bark and really want the ribs fall off the bone tender without as much chew, the 2-2-1 or 3-2-1 are great options.
Good luck on your first smokes. Let us know if you try both methods and which one you prefer.