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It all comes down to what matters more to you. A stretch ceiling installs faster, doesn't need finishing work, and hides pipes and wiring really well. But if you stretch the film wrong or the seams come apart over time, fixing it will be expensive. Drywall is cheaper for materials, and it's easier to fix locally - just patch it, spackle it, repaint it. The downside is that after installation you need joint compound, primer, and paint, which takes forever and makes a mess.
If you're worried about flooding from upstairs neighbors, a stretch ceiling saves you - the fabric or PVC film will catch the water, then you pump it out and you're good. Drywall will swell and warp with moisture, so you'd have to replace it. That said, stretch ceilings sometimes have weird acoustics - sound bounces back sharper than it does off drywall.
In an apartment, I'd go with drywall if there's no water risk - it's more straightforward, more familiar, and you can always redo it if you need to. In a house or if your upstairs neighbor has leaks - go stretch. Just keep in mind that in a few years a stretch ceiling might sag, and you'll need to tighten it again.
A stretch ceiling is faster to install and easier to redo, but drywall is cheaper and lets you create any geometry you want. It really comes down to your budget and whether you're planning to change the ceiling in a couple of years.
How long are you planning to live in this apartment? If it's not for long, a stretch ceiling is definitely faster and dust-free. But here's what people usually forget: a stretch ceiling is harder to redo in a hallway or kitchen if you later want to hide extra wiring or raise the ceiling locally - drywall gives you more flexibility down the road.
If your budget allows and the apartment is more or less permanent, I'd go with a combination: drywall in the main room (where you can do interesting geometry and hide everything you need), and stretch ceiling only in the bathrooms and hallway, where it's just a simple rectangular plane and there's nothing to hide. That way you won't overpay on all surfaces, but you'll get practicality where it matters.
If you've got an old house or there's a risk of flooding from above, drywall loses to a stretch ceiling right away - it'll absorb the moisture and warp. But here's the thing people forget to mention: a stretch ceiling sags over time and can develop waves, especially if the room has poor ventilation or you're cutting corners on the film quality. Drywall is more stable in that regard, though it does need regular repainting.
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