I can't really vote in good conscience because I may do all of those things and some others in the next 41 years. Our next trip will be one where we do much like Mdm Mim suggests...we'll be staying in a studio for the first portion of the trip (including the weekend) and then moving to a 1br. There may be trips where we stay weekends at another on site hotel using cash, like when we want to try AKL or the Poly again, but it would mainly be because we'd like to stay in those hotels for a change....not really a points conservation effort, but just the most practical way of doing it. And then there may be times when we'll spend a weekend night or two off property. US and IOA are definitely on my "someday" list, and I think I'd like to try the Portofino. If not, the Clarion that is right down the street is very nice and quite inexpensive.
And then there will be trips when taking family where we just bite the bullet and stay 7 nights Sat to Sat to fit everyone's schedules and not be moving everyone.
So basically I just do whatever works for that particular trip! No rules!