I fillet mine because it's less dangerous for people to eat when all the bones are out. We have a lot of little one who eat fish with us but then again, the wife would not eat them with bones in either. A friend of mine swallowed a fish bone years ago and caused him some big medical bills. He is afraid to eat fish now and thoroughly checks them before he even thinks about swallowing.

Who are these people you say are trying to convince you to zip them? If they are people who are eating your fish, maybe it is a polite way of telling you they don't like the bones.

Absolutely a personal preference, but I would venture to say that 90% zip or fillet them.