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i always cut my line, this is a good reason not to use steel leaders
i have always used 20lb flouro and only cut off a couple a year. just last week i switched to 50lb after loosing a 20lb + fish at the hole
i use med. and large when at my shanty on st. catherine and use the biggest shiners i can get for champlain, also perch when i jig a few up. i fished yesterday with the 50 and i had a few mediums on and the line was always off the side of the hole when i checked them, so it must not be too stiff