Crash one, if you haven't thought through the various scenarios in advance and come up with a strategy ('rules' in your words) how are you going to know what to do if 'X' happens under 'Y' circumstances?
'Winging it' is not the best plan. In fact 'winging it' is no plan at all, it's "oops, sh1t, wasn't expecting that, so I'll try this and see what happens".
Recipe for disaster, that is.