So, what do you do more times than not...putt it out or take the gimme?
There are few groups I get in and play with, and my regular group of guys in matches is the only game we would pick up when given of if we know we can't better the opponent(s). Another match group guys I play with invokes a "with in the leather rule" you don't need to ask nor does anyone have to say anything (no worries no one plays a belly putter. . . ha ha ).
When we play for points (9s if there are 3 players, 12 points if there are four), no question. . . if it's a tap in, "tap it in!".
Any way, bout speed, I don't think those guys who said, "If you're gonna miss it, miss it quick." were being funny because if you pick it up, it's certainly even quicker.