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Why? They have better faction specific rewards - the ammo factory produces ammo for free
Settlers have farming stuff, which while useful for endgame you won't need as soon
Prices stay the same, its just who you wanna spend less time farming favour for
Everything else can be done and unlocked either way.
If you do all prep missions for both sides up until the respective "Siding with..." mission pops up you get all the other faction unlocks (e.g. the Chinese Stealth suit or the prototype T-51 steel mill power armor helmet).
And you can buy all the stuff with gold bullion, if you afterwards level up the reputation for both sides by doing the repeating daily quests, random encounters and events that give you faction reputation.
Splitting the gold 50/50 between the faction makes leveling up a little easier.
Also, the Raiders have slightly more daily quests to get reputation.
Warning:
During the Buried Treasure final mission there can be a bug, where you can't continue through a door with an intercom.
No idea if this has ever been patched, or if the mentioned workarounds work.
Note:
You can only get one of the achievements with one character.
Thanks for the comments and the helpful information/tips everyone!
So photos and getting back stolen kit grind...
I haven't played the Raider finale to be able to tell first hand.
During her prep mission, did she refuse to open the door to the power armor with the exclusive "Steel Mill" helmet?
The Settlers are colonist pigs.
Do you, though.
The settlers however give you littery nothing for siding with them, the Stealth Suit you unlock before siding with them anyways and theres no speical weapon to be found in they're mission.