good question. possibly the most important thing to understand to use t-splines successfully.
it's all about edge/loop control. you want your edges to form complete "loops", and you want to control the flow of these loops around your part.
a "complete loop" either flows continuously around a part if closed, (or from edge to edge if just a plane)-


OR
it should flow from star point to star point (or from a star point to the edge if a plane)


the star point is used to change the direction of a loop so yo can get smooth transitions (it's hard to see, but the edge along the right and bottom is highlighted yellow and forms a continuous loop)-

example on a solid-

a T point allows you to have only part of a loop visible and available for control. under the hood t-splines will complete the loop and control the edges positioning so the result is the same as it would be if there weren't edges there at all. this allows you to add detail to an area, without having to control the edge all around the part manually. bellow the t-point is circled. The dotted yellow line represents the edge that t-splines is controlling for you. you can use the little bit of edge to control the shape at that area without having to make adjustments to the rest of the loop to make things look ok-

as a rule of thumb, you only want to use a t point where it can flow continuously around the part (or edge to edge on a plane.) the first example above. You don't want to use a t point where the loop flows to a star point.
you also generally don't want to use the "crease" function on loops that flow to star points.
hope that helps.