OK so ive started hitting the bsci self study book after having a few weeks off from finishing the ccna and have my first question

OK, so i know what this is and why its used etc but in the Teare self study book it mentions the hub and spoke design as the most commonly used layout but in the few examples used in the book it places the point of summarisation in different points of the network.
For example on page 118 fig 3-28 it displays a large scalable network with the summarisation being injected into the core and the summarisation on the border routers (or im unsure if this is a core router?) but on page 126 fig 3-32 it shows a hub and spoke setup with the summarisation taking place at the point of the core.
Am i correct in thinking the summarisation should take place at the core which is then placed in the spoke's routing table as a summary and inject a default route into the stub routers so any queries outside the summary range are passed to the core? Or is it best to advertise at the edge routers so the core has a more efficient routing table?
Or am i wondering off track and into the design exams?

Thanks