In the Classic timeline, I utilize what I call the Hit & Run Strategy until the bosses. Yes, I charge through enemies in a mad dash to kill the boss! Then I try to use strategy to defeat the boss.
In EXE and Star Force, I fill my folder with the strongest chips possible. I've only recently seen the wisdom of using Recov Chips and Barriers (in EXE I used the FstBarr NCP, SF I use the equivalent program in 2 and do without in 1). In Battle Chip GP, I use what I judge to be the best elemental Navis (High MB, High HP, High AP). So I use Bass, ThunMan (with stun chips), WoodMan (with TreeBoms), IceMan (BigCloud!), and HeatMan (Meteor5!), and many swords. The elements are spread equally in my folder.