Welcome to LQ!
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Hello friends, I want to know what the major determinants in the choice of an IP address are ...
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Most qualified IP addresses which are socially (validly) usable or being currently used in the Internet interaction are given and determined by authorities. This is not a matter of personal choice but a legal privilege.
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since the class of any IP address automatically chooses the subnet mask.
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If you mean the Class C 192.168.xxx.xxx. which is commonly authorized for subnet (local ethernet apart from the Internet) yes you have the option to fix the netmask since it is for you to determine the local subnet. Usually routers "automatically" sets the netmask to 255.255.255.0 but certainly you have the right to fix another mask.
Reading the materials linked by 'FrankBell' above will enlighten you enough.
Hope that helps. Good luck.