Why not say "when solving problem X, we can approximate it as a particle" or "when solving problem Y, we can approximate it as a wave"?
Wave or particle are interpretations we attach to the results of applying the Schrodinger equation.
The problem is, people still want to map the mathematical description of how light and particles behave of QED to common sense analogies and that just does not work.
There is no commonly known and understood thing that lends itself as a working analogy.
I’m going to simultaneously upvote and downvote you.