I have sub-d set to 1 most of the time when working. When I have a lot of characters in a scene I may set to off while working.
Keep in mind that its not JUST for bends, it impacts all the geometry in the figure. So with Sub-D off, things will look differently then when you turn it on. Sometimes it makes clothing not work how you expected because now it is TOO smooth. If you are already happy with how your characters look and clothes fit while sub-d is set to 1, then setting to zero to pose may help if things are moving slowly because of the extra geometric.
But another thing to consider is that once things get smoother, parts of the mesh may not be where they were before, so if you are positioning a hand on a hip or butt, that butt may compress a bit and you will need to repose after you turn sub-d back on.
EDIT: ANd the reason I mention clothes being too smooth is because I have converted clothing items to subD in some cases if they look too blocky in certain areas (not sure if option for poser).