sw3d bones workflow
I've done both with decent results, but I remember a few times where the only way I could get things to work was to draw them by hand in layout. If you set up keyboard shortcuts for "draw bone" and "draw child bone" you can work pretty fast.
The way I approach skeletal animations for sw3d now is just to assume things are going to get tricky, and keep it as simple as possible. I do forward kinematic animation only while I'm testing the rig to make sure things will work, and often this is more than enough to finish the job.