Great question and topic Marty! It's great to hear from you, and thanks for posting it!
I don't know of any cut and dried answers for the question. The best I could answer on this one, would be one of those "it depends" answers.
I'm looking forward to reading the feedback on the questions... I'm one of those alcoholics who likes to have an answer for everything... yet, quick to admit that I don't!
The ideas, opinions, suggestions and experiences of others, and how they do it, always interests me. Everything I know (that's worth knowing) I either learned or borrowed from others!