It won't let me vote for some reason but I am definitely in the bucket of "Plan Everything"
It does depend on the story, but for the stories I like to write (and read), I enjoy making very complicated plots. Like very, truly complicated stories with foreshadowing and symbolism and just a whole bunch of goodies that require an entire completely polished script start to finish.
And like, there's no rush to get it to the comic phase, so I just take my time when I'm in the prep process, I think the time is important for me in debating if I like this story enough to draw for years and years.
Like IMO I really enjoy the process of research and writing and rewriting. Drawing is such a physically taxing (and painful when the carpel tunnel hits) process, that I don't want to have any panels that don't need to be there, or any chapters that don't need to be drawn. I'm a huge fan of editing your art in your comic to the bare minimum of what you need to be appealing (maybe too much) and the only way you can know what isn't necessary is to know the whole story.
But some stories don't require complicated plots. Especially if they are zero plot wonders that are just environmental and aesthetic. Those don't require really that much planning.