When people ask me questions like these I usually respond with "what does your customer demand?". Then follow up with "what workflow meets your customers requirements?". Many of these people are not making sales so get quickly stumped by the "customer" inquiry. If the "customer" is the shooter (no commercial output) then his desires will be very different than mine (whether or not I sell or am my own customer). I think many of us would shoot differently for portraiture, vs. iStock, vs. SS vs. Alamy, vs. newspaper, vs. corporate event, vs. wedding. There is no right answer but what results are needed for the customer. Time, technique, skill, and money, are only tools to the end result for the customer.