As a player, when it comes to my PCs, I'm perfectly willing to make suboptimal choices so that my PC looks like its miniature. (For example, my current half-ogre sticks with a chain shirt, when he could easily have afforded mithral plate armor long ago.) I also willingly pay folks to paint and/or modify minis for use as my PCs.
As a DM, I'll change minor details about how a creature is written up in order to be consistent with the miniature, but it's less important. I'm fine with using proxies, such as when I recently used my War Trolls as bloodrager trolls. I'll occasionally get repaints done in anticipation of using them. For example, I paid for two Treants to be painted up much more menacing than they usually are.