Chapter 4: Configuring and Customizing HTTPS with Kestrel
HTTPS is on by default and is a first-class feature. On Windows, the certificate that is needed to enable HTTPS is loaded from the Windows certificate store. If you create a project on Linux or Mac, the certificate is loaded from a certificate file.
Even if you want to create a project to run it behind an IIS or an NGINX web server, HTTPS is enabled. Usually, you would manage the certificate on the IIS or NGINX web server in that case. This shouldn't be a problem, however, so don't disable HTTPS in the ASP.NET Core settings.
Managing the certificate within the ASP.NET Core application directly makes sense if you run services behind the firewall, services that are not accessible from the internet; services such as background services for a microservice-based application, or services in a self-hosted ASP.NET Core application.
There are some scenarios where it makes sense to also load the certificate from a file...