One key per purpose
Sooner or later you'll have separate keys for separate purposes — personal vs work, GitHub vs cloud provider, a dedicated key for backups, and so on. ~/.ssh/config picks the right key per host.
The IdentitiesOnly trap
By default, when ssh-agent has multiple keys loaded, SSH offers them all in turn. If a server has a low MaxAuthTries (default: 6), you can burn through allowed attempts on wrong keys before the right one is tried — and get "Too many authentication failures." That's the symptom. The fix is IdentitiesOnly yes: "only offer the IdentityFile listed for this host, ignore everything else in the agent."