If I had S_F_S's type of nag, being the pernickety so and so that I am, I would plait.
I am a weird sort. I do not care two hoots what someone gets up to at home. Happy Hacking etc. But the minute you go in the showring, you ought to be doing things as well as you can. You are on display to everyone, and a TB in the SJ ring ought to be plaited, it puts the sparkle in the event.