You answered your own question about which brake gives the most braking ability, sooooo.. it really will depend on how many km's you need to shave off prior to going around. Personally, if I need to adjust down in speed (slightly), I will consider chopping down one gear or touching the front brake.. if its a hard-out major, then both front and back (only very slightly) are coming on!!
Otherwise I still tend to favour the front...
Around town, I have been known to "coast" up to an existing red-light with just the back brake on, or occasionally I have the odd "two" fingers around the front brake... Choice is yours but I am sure others will have a view
It's been a rough day. I got up this morning, put on a shirt and a button fell off.
As I ran out the door, I picked up my briefcase, and the handle came off.
Now I'm afraid to go to the bathroom.
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