Hello!

You need prepared transactions only if you need two-phase commit to provide 
distributed atomic transaction on multiple different databases.
If you not need distributed transactions - you not needed prepared transactions 
at all.
But if you need distributed transactions - here is no more choice regardless 
performance questions.

As say in documentation 
https://www.postgresql.org/docs/current/static/sql-prepare-transaction.html
> Unless you're writing a transaction manager, you probably shouldn't be using 
> PREPARE TRANSACTION.

Regards, Sergei

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