UC Tax Rate Setup: Best Practice?

What is the best practice for setting up UC tax rates when H1, H2, HM taxes are involved? How does your company do it?

The options I see are:

1) Set up the H record with the combined rate of all; Set up the misc ones as well but with a rate of 0.00.

2) Set up the H record with only our company's assigned experience rate. Do not set up the H1, H2, HM at all and let the system dynamically create them.

3) Other?

What is the best practice for handling these?

(We are on Xe, moving to 9.1 next year)

(Also, I have seen the whitepaper on setting up the H1, H2, etc with a 0.00 rate. I'm just wondering what the best, or most common way to do it is.)