Why use personal token vs. GITHUB_TOKEN?

[lpezet]

TL;DR

Current process will store someone's personal token (gh_token) and keep "carrying it"/using it everywhere (including pipeline) ad vitam aeternam.
Github Actions provides the (less fine-grained) token GITHUB_TOKEN. Any particular reasons to not use that one instead?
The way I see it the personal token can be fine-tuned, re. permissions, as needed and the GITHUB_TOKEN is either permissive or not.
Is that the only reason, to have greater control over the permissions of the token?

Terraform Resources

No response

Detailed design

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Additional information

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[github-actions]

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