Gene,
Now you have hit the nail on the head. Experience. You have to try a few methods for yourself to see just which one is most comfortable for you. We can all tell you what we do or don't do, but until you actually jump it with both feet and get wet, you will not have the experience to judge the merits of one method vs another.
We each have our own preferences, so listening to us can only tell you our experiences. It's why they make so many different styles of cars. Personal preference and that can only be garnered by doing. You need to get your own hands on experience.
Don't be afraid to mess up. I do it every day. Model railroading is not a test, not a job, not a necessity. It is a fun hobby. Nothing more.
B-)