flushcut
TreeHouser
I will cut it as low as I feel comfortable and if they want it lower they can pay to have it ground out. Full wrap half wrap all have their places it depends on the job for me.
Get paid a chunk extra for ALAP. I normally spec the contract for a stump to be 4" or less. ALAP costs $xx.00 more.
Yes, larger fir stumps. I usually just say 4 or 6 inches or less, to give me some buffer, and cut it low as is reasonable. They feel like they get a little extra. They can't complain about it not being low enough.
If they want to mow over it, that would mean digging around the stump, and a lot of dirty cutting.
Around here, lots of people don't mind a stump, some finding something 'ornamental' to do with it. Others will grind. A lot of times it can easily be hidden with mulch, so I tell them rather than paying me to drive a second truck and trailer (basically, no money in it for one stump), I'll just cut it low, they may have to build up a bit of mulch. Easy peasy.