I think there are too many needles and we don't need most of them. I use 90/14 for heavier fabric and 80/12 for everything else, unless I'm using metallic thread and then I use a metallic needle.
I change my needle if it gets bent. Just lay it on the flat part of the top of your machine, if it isn't straight, toss it.
I change my needle when I hear a "thwacking" sound when I sew. If it's "thwacking" it's no longer sharp enough for sewing so time to change it.
When you are quilting, batting can really dull a needle so listen for that "thwacking" sound.
I've never used a ball point needle, even when I've sewed on knits, and I've never had a problem. I use twin needles on my knits a lot, I love twin needles.