I never paid from the get go. I'm too cheap. My cheapness is also why we owe. I hate the thought of giving the government an interest free loan. They certainly don't retro that courtesy back! Yeah, a large lump sum is nice to get on rare occassions, but think, the money you are getting back could have helped pay more bills, or could have been earning YOU interest with some sort of investment. Instead, the government used it until the last possible second they had to pay it back, and only paid back principle. Imagine if all we had to do was to pay back principle on a loan from the government! They'd go nuts!
I'd rather owe then get back, though I don't want to owe too much to cause penalties. I want to be in control of my money, or delegate people of my choosing to do so. The feds ain't high on my list of people to delegate too!