Pete,
Whether to use the built-in mask or a separate non-linear one all depends, at least for me, on the point you touched on, namely can I get the MLT mask to provide sufficient cover for what I am trying to protect. For many images, it does a great job but for some the range is just too narrow, on either side of the equation (maybe something that can be addressed in a future update). In those situations I always fall back on a separate mask and just turn the built in mask off.
Best,
Jim