With the advent of google ai, it's just easier to setup campaigns in the first few days using phrase correspondency, and no negative keywords at all, unless your product have some word that always attract the wrong type of clients. Because exact match doesn't work anymore (and they don't work as they supposed to work few years ago, they will still attract some other words related to that), and if you close too much on the campaign, google ads just don't deliver nothing at all.
If you have a good lp and works that works well with the lp, the entire google ai will handle things better than trying to use negative keywords