Hubby got me four new binders and dividers to fill. I don't put a protector on every one. But, if I am using one, I will use a protector on it while it is out. I do use a protector if there are lose pieces that need to stay with the pattern.
And, I do separate out the ones I have paid for as a download. I feel these are in need of extra special attention to have their own binder. I love patterns!