It depends on the situation and what I'm going for. If I'm building a more permanent house I'll add some clutter here and there but only if it makes it look better. If I'm just build a temporary house the n clutter items are just a waste of time a money for me.
The new Sims 4 terrain tools ain't got nothin on all the terrain options you have in the Sims 3, that much is for sure, especially seeing as they're only now coming out in a new patch sometime soon.
I'm a huge lover of customization so all of the options when it comes to creating things is something I definitely love, along with all of the awesome things you can download and make. The possibilities seem almost endless.