Combination now. H more of a spontaneous and I would have plans in advance. Decades of experiences have taught us a lot. The internet and cell phones are wonderful for travel.
We did the package vacations years ago when it was harder to make various reservations. Now Expedia is our friend. We did one group trip (Costa Rica) but do better solo. One cruise- the best way to see Alaska but would rather spend a week at one tropical place than visit multiple islands. For road trips we often do not reserve hotels for travel days since we don’t know how far we’ll get. For a recent London trip (our second- last one was with a nine year old) we booked a hotel and researched day trips, choosing what to see/do when we got there. Flexibility. We like to know what we can do and decide at the time. The weather can change our plans.
We do miss out on some things by not planning ahead enough, but that’s okay. More enjoyable to decide to skip something because although on the list we just don’t feel like doing it. I am finally learning to pack a bit less, but still insist H have enough clothes so I am not spending my time doing laundry.