On real planes that go over 100 MPH, retracts as needed to achieve acceptable performance. On slower airplanes, the gears are usually fixed to save cost and dedicate more weight capacity to payload. In some Cessna products, fixed gears are actually FAVORED for mountain flying.
Stunt planes want to fly at 50-55 MPH. Landing gear drag and other parasite drag is beneficial in that it allows more power to be added without increasing speed. This is one reason Al Rabe's bulky models were able to defeat most of the streamliners.
The drag of undercarriage is an even trade vs the offest rudder. Also, a common design factor is the entire fuselage offset upward vis-a-vis the center of the wing. Prago! It's in there.