Colonial Campaigns Club (CCC)

I am a new member of the club and I have a question regarding gaming etiquette. You get more points for a game played out to the last turn. Do most folks in CCC (and in what I call her "sister" clubs) consider it better to keep the game going, no matter how lopsided, and pick up the points. Or is it better to surrender when you no longer believe you can win and start a new contest. I personally prefer surrender to a continued pounding, whichever side of the pounding I am on. But I think it is unfair to enter a game giving one set of expectations and then do something else, so I want to be in line with club thinking on this, as it seems to me a fairly important issue.