That somewhat depends on the plant itself. Roots aren’t all the same - very fine threadlike roots, in my personal experience, are easiest to plant and keep in place in fine
sand.
That includes a lot of things such as carpeting plants, Micranthemums, Eleocharis species & Hemianthus, & young Helanthiums, among others. These plants may eventually grow an extensive root system but it takes time and they start out being difficult to keep in place.
Rootless cuttings have much the same problem regard of their species. No roots means nothing to hold them in place except friction. You get more friction from sand or possibly very fine gravel with particles no bigger than maybe 3mm.
Coarse thick roots are found on
crypts & swords once they are established and they can grow very long. So established ones can be planted successfully in most gravels as well as finer substrates. New ones without rocks it’s to speak of have the same problem as rootless cuttings.
Ludwigia repens and most of the Hygrophilas I’m familiar with grow a very substantial root system with a bit of time. Hygros shave coarser roots, Ludwigias are finer.
So overall, I believe a fine to medium texture sand works best for the majority of plants.
As for the little catfish, soft fine sand is the best substrate choice for them.