I use a loupe if I'm shooting something with a narrow DOF or careful selective focus with tilts. Otherwise I do use it to confirm optimum focus before stopping down, but I know it's really not necessary and I forego it if I'm in a hurry.
This is with 4x5. It probably gets more important in the bigger formats.
As far as selection goes, I picked the toyo because it's small, cheap, and has a neck strap built in.
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