My only opportunity to do a "swim through" would be on a vacation. Since vacation diving almost always means diving with people I don't know and whose skill/training level is unknown to me I do not do swim throughs (at least not anymore). I had one unfortunate incident in Devil's Throat that woke me up to the fact that, despite my training/equipment and confidence, there were other people in front of me and behind me capable of doing something (or not doing something) that could get me killed. If a swim through is on the agenda I politely and assertively tell the dive leader that I will follow the group's bubble stream and meet them at the exit.
Same here. RTee mentioned in a post above that "company" should be a factor in the decision whether to do a swim-through, and I totally agree. I might reach a different decision when I am with a group of unknown divers than I would if it were just the DM, my trusted dive buddy (generally that's my wife) and me. This is probably the biggest factor in why my dive buddy and I will generally choose to go around Cozumel swim-throughs that the rest of the DM-led group enter.