Hi,
The Main distinction between the table and using Derived flows are:
1. By using derived flows you can post the Interest/WHT on Gross basis while by following the table path you can post on net basis.
2. You can post to customer accounts and by maintaining a tax code in BP, Tax certificates can also be generated. IF you follow the derived flows path , there is no provision to maintain tax code.
You can use either of the solution as per your requirement.
Regards,
Nikhil