It should go without restating for the millionth time that flight "training" you get via the internet is worth about as much as you paid for it, and may be totally hooey.

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Yes, every airplane is different, so in general, generalities are pretty useless. Including everything I post here.
Flaps are but a tool in your toolbox. Like any other tool, you need to study the POH/AFM/Operators Manual, or whatever else is available for YOUR aircraft, then carefully experiment with the procedures recommended there. Early on at least, that's best done with the supervision of an instructor who's familiar with your aircraft type.
As dogpilot noted, the factory is pretty conservative as to the techniques they recommend. Talk to any lawyer and you'll understand pretty quick why that is. So, when you start trying techniques like "Popping" flaps on takeoff, or using a flap setting not recommended by the manufacturer, you are indeed somewhat of a test pilot.
Seaplane takeoffs will seriously test your ability to finesse an airplane up to flying speed, especially with a seaplane loaded close to it's legal weight, and on a nice, warm summer day. That is one area where use of flaps in methods other than those recommended by the manufacturer MAY help.
But, here's the rub: Every pilot I've ever met who tried these "techniques" for the first time actually LENGTHENED their takeoff run, rather than shortened it. After several hundred heavy/hot takeoffs in a loaded 206, I'd still occasionally "miss it" just a split second on timing, and have to shut down the takeoff run and try it again.....not very often, maybe once or twice a season, but still. Point is, this is VERY precise control inputs, not just of the flaps, but also of pitch.
The flaps may yard the plane off the surface, but now it's up to the nut behind the wheel to KEEP it there, and that's often the more difficult challenge. Miss catching it with pitch, and flying in ground effect, and you've just drastically lengthened your takeoff run.
So, again, if you're going to play this game, you'd best be really at the top of your game. And, again, getting someone familiar with your aircraft type to help at least initially is valuable.
I flew many Robertson STOL equipped Cessnas, and that kit's Flight Manual Supplement recommends 30 degrees of flap for short takeoffs. Their recommendation is simply to set 30 and go. And, in my experience, that works well on wheels.
Unless there's a gusty wind, for example. Point being, type of aircraft, configuration, pilot's proficiency with the technique AND other things like weather conditions may suggest using other techniques. All of these things will seriously affect the takeoff distance. Especially pilot proficiency.
As to insurance companies and back country flying, in my experience with three different outfits, they don't care, and they don't charge more. At least one did note that if I wrecked my plane in an "off airport" operation they'd pay the claim, but when it came time to renew, they'd take that into consideration. Can't really criticize that.
MTV