I agree with Lampel.
The only reason I would retopo a patern like this would be for a larger scale area. To me this looks like a quilted piece of a jacket or something, for which I would go the flattened geo + normal map approach. However if it’s a quilted panel in a sci-fi interior then that scale might be large enough to warrant retopo according to the pattern.
What is the context of this quilted pattern? I.e. size of it / prominence in camera?