I think there's yet another variable...
and that is how familiar are you with that particular plane...
And another...
have you always done everything correctly? perfect practice makes perfect, but bad practice makes mistakes.
Some things you absolutely should have memorized - what to do for in-flight or start up fire, what to do for an aborted take-off.
But if you're not very familiar with your new to you cirrus, you should probably be checking the checklist downwind after doing your GUMP check, until you're sure that every time you check it you've got it right.
The thing is, we tend to not use the checklist, and rely on our memory, for the most critical phases of flight, but use the checklist for those that are less critical.
(all of this is referring to light planes only, I don't think it applies to larger planes)
I do believe that there are a few phases of flight where missing a single item on the checklist can, in fact, be disastrous, gear down on landing... what is the maximum speed for gear or flap extension... carb heat just before landing if you need a go around (all the other knobs get pushed for a go-around, so if you have not pulled the heat and there is ice, it could be a problem)... for a twin knowing the Vyse (unless you have a blue line on the speed indicator) during takeoff...
But reviewing the checklist just before that phase of flight, when you have a bit of time, might be a good idea.