Multiple user_meta VS Array user_meta

First,,i’m sorry if i’m wrong to post here. I just wanna ask which is the best when i have some detail for each user..is it the best to make multiple user_meta?? i mean something like this

update_user_meta($id,'address',$address);
update_user_meta($id,'phone',$phone);
update_user_meta($id,'point',$point);
update_user_meta($id,'gender',$gender);

or just make one user meta and store it in array?? like this:

$value = array('address'=>$address,'phone'=>$phone,'point'=>$point,'gender'=>$gender);
update_user_meta($id,'detail-user',$value);

i don’t get any problem when i’m using the first one..but i reconsider it because i have user around 200.000..but is it really okay if i’m using array?? what’s your opinion??