XML or not XML?

[Trefane]

I've read about addon writers saying that they preferred to create frames on the fly rather than use XML to statically create them when the addon loads.

- When they do it this way, do they completely generate the frame and its children with CreateFrame commands, or do they still include .XML templates and create frames based on those?
- What route do people here prefer?
- What are some good examples of this way of doing things?