Frankly, no one can answer those questions for you. You'll just have to fine tune your technique for your car and conditions.
In summer I EOnC in neutral, so I can keep the A/C (A Prius is great for hot weather BTW).
If you look at BSFC maps you really don't loose much efficiency by not being perfectly on the island, it's a few percent so I don't worry much about it, I just try to stay near 80% load (NA petrol cars).
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