I'm mixed. It kinda just depends what im doing and why..outside of comics at least. My pages tend to be finalized and polished but I don't often "finalize" my personal doodles.
But also what is considered finalized can be dependent on the artist, viewer, and the critic..and it doesn't always match up.
Lately Ive been told that my sketches are very clean and polished even tho I disagree...but on the bases that I personally know my polished work.
to me this is unpolished/semi-polished sketch [for myself].
To end my rambling...be you and it's up for debate and perspective on who is who and what is what.