Mercule
Adventurer
Brain said:depends entirely on what character I'm playing.
Ditto. I play characters of many different alignments and outlooks (not always the same thing). Each has a distinct personality and would react differently.
If you're talking true need, then KB is correct -- there aren't a lot of options. If you're asking about need, then anyone who can give a consistant answer across all the characters they've played (or might play) is probably not going to be someone who my answer will make sense to, anyway.
So, no matter how you slice it, the entire question is a non-sequitor.