I have to disagree here!
Shooting at fine is definitely recommended... shooting at normal results in clipping, depending on how bad the scene is, it can be very very bad.
As for the size... Memory comes cheap these days, your sensor doesn't. Why waste half the sensor when you've already paid for it? Even if you don't need the extra pixels, I think its helpful to put in extra effort to shoot at full resolution, and resize in photoshop... Doesn't take a lot of time, just save it as an action and hotkey it if you really must. Resized pictures are essentially sharper that pictures shot with low resolution.