I almost always cut WOF and seam. But I like to stick a block in my seam, if I can. This way it looks like I planned it that way and just didn't seam it... especially on the long side seams.
I never remember to cut the borders first and make them on the length of fabric. They are usually done once the center is pieced. Then I choose the border.
The quilt police haven't caught me yet....