I typically do phantom lighting only for alphas, and sourced lighting only past alpha. Of course, the sourced lighting matches up with the old phantom lighting in terms of what areas are how well-lit, but doing it like that makes it easier for me to get things good, rather than harder.
If I can't come up with a reasonable light source when I get to detailing, I'm doing something wrong.
The "use phantom lights on night maps" bothers me because they have weird feathering and padding that actual moonlight wouldn't, and areas outside of the map end up almost totally unlit.