This topic is touched on in How important is the viewfinder coverage percentage? (Figures like 95%; 100% for Canon 7D?), but is not central to the question or answers.
I own a Nikon D3200 which has ~95% viewfinder coverage. Because of this, I sometimes get little surprises at the the edges of my pictures. Obviously, I would "get it right in camera" if I could, but that's impossible to guarantee when I'm not actually seeing the image that the camera is taking.
I've been considering adding a 95% crop as my first post-processing step to mitigate this issue. I've already considered the following:
The final image will be the same as the viewfinder image
I believe. Correct me if I'm wrong here. This fact outweighs the negatives that I have been able to think of.
It adds an extra step to post-processing.
I'm fine with this. Applying a preset to each import will not take much time. I could also apply it during import if turns out to be even a little bit of a hassle.
I lose 5% of my resolution
The D3200 has 24.2MP resolution, so I'm still left with 23MP. That should still be plenty of resolution for most needs.
I don't take landscape photos
This is the main style of photography that I imagine would be most affected by a universal 5% loss of the image, where every little bit you can get in frame usually helps.
Amy I missing anything here? Am I underthinking it and missing something important, or is this really no big deal and the right choice for my workflow?