Either (both)
I find the Telrad and red dot finders are pretty much useless in the city (Sydney) where I live as there just isn't much visible naked eye below mag 2, but a 9x50 finder is pretty good for finding things.
In dark skies the red dot finder I have is OK, but I still prefer the finder as it shows so much more, often I can see the fainter targets in the finder and when well aligned I can centre my Maksutiv straight on the target at medium - high power, whereas with the red dot finder I can only do that at low power.
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