I always start out using none with the best intentions. Somewhere mid-way through the first or second generation of a family, I tend to remodel the home(s) and I rationalize that my sims have worked hard and deserve a nicer house...so in comes the money cheats. As time moves on I find other reasons they might need cheats/help and it snowballs from there. The only families that are safe from the ctrl+shift+c keys are my legacy families. With those, I can never rationalize cheating to make their lives better because I view them as contestants in the game of life. They either win, lose or draw on their own merits.