This is a silly thing to have much of a preference over. It matters very little in most cases, and it’s at least partly in your control (mostly in your control, in the cases that matter).
Or maybe you’re asking for a recommendation for an plan (in which case framing it as a preference is confusing). For me, the emotional and logistics cost of under-withholding and owing money when filing is much higher than the very small amount of interest foregone by over-withholding and getting a refund. That may or may not describe you.
This is a silly thing to have much of a preference over. It matters very little in most cases, and it’s at least partly in your control (mostly in your control, in the cases that matter).
Or maybe you’re asking for a recommendation for an plan (in which case framing it as a preference is confusing). For me, the emotional and logistics cost of under-withholding and owing money when filing is much higher than the very small amount of interest foregone by over-withholding and getting a refund. That may or may not describe you.