When tracking, I use a clean master channel, no plugins at all... but that is only due to latency and performance issues. One of the first things I have to do after recording is just move the entire take forward or backward in time a tiny bit to account for these types of thing. For playback, I will put a mastering preset on just to hear how things might sit "in the mix." I listen, make decisions, and then remove the preset and turn the monitor volume back up to compensate (1/2)