I like to leave jcms as a last resort, when the weight maps and the mesh have been pushed to their limits. In more professional studio rigs there's often hundreds of bones in a single figure. In poser rigging - aside from the face, there really aren't that many.

But that's what experimenting with different setups is for, to see which works best and is easiest to add clothing to. Personally I hate having to deal with jcms when working with conforming clothing, since the clothing itself needs its own jcms. But that's why I asked the question here, to see what others think.