As an agent myself, 95% of our bookings are dynamically packaged (DIY so to speak), however, at the moment, we are also comparing packages, as although DIY looks cheaper to begin with, by the time you add everything in, some places works out easier and the same, if not cheaper to book a package.
Personally i prefer to book a package and i allways look to see if can get something, especially in Greece / Turkey / Cyprus and Egypt. If i know an operator does the hotel i allways have a look at a package, just soo much easier to book and everything is with one company.
DIY does normally come cheaper in some cases, but with the current market there are some fantastic deals to be had with the tour operators so allways have a look at both.
As a general rule, i would say if you are happy with the price, book it. Soo many people are booking very last minute at the moment i am flooded with enquiries and bookings going within the next few weeks but there is not allways the choice you want in booking late.
Also with money being tight this year, many are also booking far ahead, as a company whereby 90% of our sales were immediate departures, the tables are turning and for sep/oct, we are well ahead compared to last year (most of these were booked back in may time where people were able to do a deposit and pay it off slowly).
Happy Holidays everyone