DrJambo
Crash-test dummy
I play on Emperor and do a bit of both. I bulb if I see a big advantage - such as an opportunity to leverage a religion or help win me the race to liberalism. Otherwise, I settle or build an academy. If there's also the need for a large civics change and I'm not a spiritual civ then I might even use a GS to facilitate a GA for the anarchy-free change. 
