It depends on what YOU want.

Personally when I make bread (regular wheat bread, nothing fancy, except I make it from scratch) I make a long loaf, bake it until its got a nice crust, then let cook and sit out over night.

The next day I slice it down the middle, the interior is still soft while the crust is nice and crunchy.

I make a concoction of butter (real butter) fresh pressed garlic and whatever herbs sound good at the time, then I spread that out thinly over the bread and put it in the broiler for about 15 minutes.

The top gets all toasty brown, and the inside is all warm and soft.