When should I use a third-party wrapper instead of calling the API directly?

Advantages of wrappers
They handle authentication, error parsing, retries, and rate limiting. A good wrapper simplifies your code significantly. If the API changes, the wrapper might handle it for you. Community wrappers offer examples and best practices.
Disadvantages
Wrappers add a dependency you maintain nothing about. They might lag behind the API's latest features. Extra abstraction adds latency. If a wrapper has a bug, you're waiting for the maintainer to fix it.
When to use them
Use a wrapper if it's official (from the API provider). Use it if it saves substantial code and the API is stable. Use it if you need quick prototyping and don't care about a small latency penalty.
When to skip them
Go direct if you need the latest features immediately. Go direct if latency matters (wrapper adds overhead). Go direct if you're already handling rate limits and retries—skip the middleman.