Basically, hitting need always gives you a chance at getting more ec in the bank (since it's almost always vendor trash). Always assume everyone hits need and do the same. The only exception to this, which I sometimes forget, is when I run with my fleet. We have a greed/pass, need only if you actually need the item rule.
Unlike a lot of other games you don't have class or race specific items. so the need for making sure things go to specific people/classes doesn't exist. besides most of the drops are just vendor fodder anyway. so just push need and don't feel guilty
It does not help that you are asked to make some kind of decision IN THE MIDDLE OF A BATTLE.
Frankly, at this point, even running with Fleet and Friends, policy is just "Need Everything, Sort Shinies Later". Nothing you pick up is actually bound, so it's easier to just smash, grab, and swap shinies later. Especially since 99.99% of it is vendortrash and never needs to even be mentioned again. Hell, I bind "LootRollNeed" into my mashing buttons so anytime I do anything, it automatically banishes that annoying popup.