I'm a maverick.
Sometimes I start with 5's hat and do it all in one go. Seamless, easy, no nonsense.
Other times, I finish with the hat. Clunky, hard work, pointed.
The latter means more work for me what with the pen having to leave the paper and alll, but ultimately more satisfaction when I fling the end of the hat outwards. I save this way for when I don't really want to write a 5 but someone is making me. Like Mrs Lord in lower thirds.
You should see how I write my 4. You'd faint clean away!