Subdividing UVs

Hey

I am working on a model that I want to texture. I unwrapped the UVs and added subdivison surface modifier. It comes with ‘subdivide UVs’ checked and everything looks good with no distortion whatsoever.
I have read that it is better to not subdivide UVs when the model will be used in various 3D softwares (I would like to sell my models) as it would cause problems with UVs, textures etc.
So I uncheck the ‘subdivide UVs’. Massive distortions and in some cases even weird shading appears. I understand the reason why some of that distortion happens but now I am wondering if I should actually stick with ‘subdivide UVs’ checked? I don’t want to make a model with good textures, sell it and then have the buyer find out that he/she can only use subdivision surface level 3 because with level 1 or 2 the texture seams don’t match.
Can anyone help me decide if I should subdivide UVs or not?

Regards,
K93