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The two approaches do not need to be mutually exclusive. Rather, they can play complimentary and supporting roles.
In a previous life I was responsible for a metadata working group that created and incentivised the adoption of a new approach to metadata for the NZ compulsory education sector. Of note was the blend of "structured learning resource metadata" (based on IEE LOM and Dublin Core) and "user annotated" (or peer enhanced" matadata.
- Learning Resource Metadata
- User Annotations (Peer Enhanced Metadata)