It really doesn’t matter which style of music you like to play or how easy or complicated it is, there is bound to be some sort of fingering added to the music. Sometimes there is a little and sometimes there is a lot.
Let me be clear: The fingering that you see on the page is all editorial. It was not put there by the composer, but at some stage someone else has put it in. So technically this means that you don’t have to necessarily follow the fingering precisely, in order to play what the composer wrote in an authentic manner. However, it is usually a good idea to use the fingering given because it was put in by some sort of expert. It definitely wasn’t just some random piano player that has put in the markings. This is especially true of classical music.
So the short answer would be that it is indeed a good idea to follow the fingering that has been given BUT it is not always essential. Sometimes a particular section will only work if you use the precise fingering given – there is just no other way to play the section successfully. Often though, there will be a number of possibilities of fingering to make the section of piano music work and sound the way it should.
On a somewhat regular basis, I do come across a piece of music where I disagree with some of the fingering given. Maybe it is just a misprint or human error but periodically I see some fingering that makes no sense to me whatsoever. In those instances, I merely make a few changes and continue on playing. It really isn’t a big deal.
So if you have only a couple of years experience playing the piano, you can certainly make changes if you wish. You’ll soon work out whether your changes make sense or not. Sometimes it is a trial and error situation to find what you think works best.
Sometimes you may need to change the fingering to suit your own individual circumstances. Some people have fingers that are weaker than other fingers, or have sustained a permanent injury to a finger and therefore have limited range of movement. Sometimes the stretch between notes might be just too much for your hand or cause physical discomfort.
I personally change fingering from time to time simply because my hands are reasonably small and while I have a great amount of stretch to my hands, it doesn’t always compensate for the fact that my hands are not large.
If you are having lessons with a piano teacher, always let them know about any physical discomfort in your fingers or hands as the teacher may be able to tweak the fingering in your music so it becomes more manageable to play.
If you have enough experience in playing the piano that you don’t need a teacher, try and stick to the fingering that is written down, but if for whatever reason it makes learning the piece of music difficult for you to learn, then feel free to experiment and work out what fingering would work best for you. After all, the fingering is not the most important of playing the piano, it’s producing beautiful music.