Not so much how you or I work.
What I was getting at was, separate channels are only necessary if you are sending all the MIDI to the same device or VSTi. When I use Kontakt with bass, strings, horns all in the same instance of Kontakt, I must use separate channels. If I'm using VB3, True Pianos, EZDrummer, then channels don't matter as much to me. That being said, if I'm controlling VB3, TP, EZD all from my Kurz, then I would need separate channels on the Kurz.
And I agree, it is a bit "clearer" to assign each instrument to a different MIDI channel, just not always necessary.