Unless I'm wiring a custom home with for customers with mind-bendingly indecisive behavior, I will wire to plan. If people can't decide where they'd like a switched receptacle, I'll rope the whole area with three-wire because I expect them to change their minds at trim. Money should be in the bid for this nonsense (or customer service, or whatever it's called).
Sometimes in tract homes, there is just a switched receptacle. Usually, there is just a ceiling light. I will not prewire for a ceiling fan unless it's in the bid, because it's not my money I'm playing with. It's not just the three-wire. It's the bigger box, the greater amount of time it takes to strip that box. If a C/F box is installed, it's extra time to install that box and center it.
I can strip out three two-wire receptacles (in & out) in the time it takes me to strip out one three-wire receptacles (in & out) at rough. That means if I decide on my own authority to wire with three wire instead, I am sacrificing 200% of my productivity for this task, just getting the sheathing off.
If I need to communicate to the trim crew that the red is untouched, I must tie it through and cap it on the rough. More time.
That's not even considering the cost of three-wire over two-wire.
So, all things being equal, I will wire to the plans that generated the bid, unless I feel like donating my own bonus to features the homeowner may never be aware of or want. The decision should be entirely driven by environment. If you make a big deal out of your excess, charge accordingly, and are hired for it: follow through.
If the plans have not made this decision for you, make the plans before bidding. Installing a fixture can take several times longer than installing a half-switched receptacle.
JMO,
