For me it depends on situation. If im on concession I hate to walk and just bus hop any-o-how and usually it incurs more time than if i take a direct bus

If i'm not on concession, I prefer a direct bus. I dont mind walking up to 1km from my house to take a direct bus. e.g Toa Payoh Lor 6 Blk 237/1 that pair and Jln Toa Payoh Opp/Os Blk 195 that pair. However if I wanna take 59 I'd rather take 238 instead because of extra fare band if taken from Blk 1. At this end of the day u still pay around the same.
If i am rushing for bloody time i just take SPH's services.