Flow with 10 MQTT "IN Node".. is better use just one "IN node" and split via "function node"?

I'm a bit surprised you feel your flows are less messy, and easier to maintain, with a seperate config node and mqtt-in for each discrete topic.
What happens when you change your MQTT password?
Still, I can see the appeal of a discrete input point for each flow / section of a flow.

This thread illustrates a problem with a particular cloud based broker service and one mqtt-in per topic.