Why use `utc_datetime` over `naive_datetime` for Ecto?

Everybody agrees about what should be done on Ecto’s side (use :utc_datetime_*).

But @LostKobrakai advice is to use timestamp in the DB, while the links given by @wojtekmach seem to say otherwise (Don't Do This - PostgreSQL wiki and Time zones in PostgreSQL, Elixir and Phoenix | AmberBit Sp. z o. o.).

Is there a consensus?