Jim - In that case, by all means, use one. Every time.

My point is that we do not need a regulation, or interpretation of any
existing regulation, to require checklist use in small aircraft part 91 ops.
At least that's been my experience and judgment in single pilot ops, that
written checklist use at times can be contrary to safety. Flows, and mental
checklists, are a different story. But pulling out the card and muddling
through the list as a "do list", for taking the runway, climb, cruise, top of
descent, approach and on final, may not advance the safety ball the way we'd
like it to.

Some of this is semantic, from a practical standpoint. Take a look, if you
will, at the following articles (and don't let the provocative title of the
first article cause a visceral, negative reaction, as the editor's choice of
title was unfortunate):

http://www.avweb.com/news/pelican/182037-1.html

http://www.avweb.com/news/pelican/182038-1.html