Facebook Ads - Retargeting

Hello guys, i switched fully on broad and my creatives are crushing it. Now i want to do some retargeting, i did a research and many experts are saying that there is no need to waste money and time on retargeting because FB is already retargeting buyers when there is 1+ frequency. Or should i just use retargeting creatives on broad?

And if you are using retargeting campaigns, what are the campaign setup, what audiences you use, and what kind of creatives and copy do you use? Should i use more creatives or just one image ad?