A company sells five things, so someone builds five pipelines. It is the obvious move and it is almost always wrong.
Pipelines are not categories. A pipeline is a set of stages a sales rep moves a deal through, and the only thing that justifies a second one is that the stages are genuinely different. If four of your five pipelines have the same stages with different names, you have one pipeline and a reporting problem.
The shape of the motion. Most often, one question: does this sale require a consultation or a meeting?
Meeting required. A full Deal pipeline, with stages mapped to the real sales process. Someone is working this, stage by stage, and the stages represent things they do.
No meeting. A much simpler pipeline, or no pipeline at all. Use Orders and transactions with smart lists instead. There is nothing for a rep to work, so there is nothing for stages to represent.
Would a sales rep actively work this stage?
If no, it is not a Deal stage. It is an Order, a transaction, or a property on a record. A stage that nothing happens in is a status field wearing a costume, and it makes the pipeline report harder to read for no gain.
Recurring revenue is the case worth naming separately. Memberships, retainers and subscriptions belong in Subscriptions, fed by your billing system, not modeled as perpetually-open deals. A deal that never closes distorts every pipeline metric it touches.
Where two events are never observed apart, they are one stage.
If the plan is always presented at the end of the consultation, then "consultation completed" and "plan delivered" are the same moment. Two stages there gives you a stage every deal passes through instantly, which adds a click and tells you nothing.
This is worth doing deliberately, because stage counts creep. Every stage costs a rep an update and costs you a column in the funnel report. Earn each one.
If a prospect has to pick which pipeline they are in, or a rep does it by hand each time, that is a decision you can usually make from data you already collected. Budget, complexity, and upside are typically enough to route an inbound application into the right motion without asking anyone.
The prospect should never see the machinery. They filled in a form. Where the record lands is your problem, not theirs.