Pace,
Interesting you should say that. I was picked up by PPRuNer A and C on a dual flight once for exactly that - he pointed out I was using the checklist as a 'do list' not as a check that I hadn't forgotten anything. He was right, too. I'm trying to wean myself off it - easier in a familiar type (e.g. today I was flying a DR400 for the first time in a while and I was a bit behind the checklist at times...)
Tim