I use a combination of both. I built an ORM (STorm) that I use with Xojo. Essentially it is a dynamic way to map classes to database tables. In this way the database remains the schema of record and should you change the schema you do not need to update separate ORM classes, although you'd still need to update code. The ORM is super-handy for common database access. For more complicated stuff, I'll drop down to SQL.
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