lazy conversion

I understand that one of the advantages of using the lazy conversion option is that it speeds up performance for large records that have many fields in the file layout.

I am wondering if it makes sense to use the lazy conversion option if I have:
1) Records that have 20 fields or less
2) Flle containing 7,000 records
3) Passing data from one Text File to Oracle database (Or is the lazy conversion option works best for passing data from input file to output file?)

The bottom line is that I'd like to know the best practice of using the lazy conversion option.

Thanks,

Claudia