I always use a tube one size "smaller" than the tire. They're lighter and easier to install. I've never found them to be less durable - every flat I've ever had involves something that punctures the tire first - which is much thicker and tougher than even the most heavy duty tube.

I usually choose the "light" or "extra light" version of the tube too.

So for a 28mm tire, I'd get a tube labeled something like 21-25 rather than the two options you mentioned.