Mortgage with escrow account?

[Jakub Bednarz]

What do you guys do going into a conventional loan? Do you obtain a mortgage and supplement it with en escrow account or do you pay property taxes and insurance yourself? 

Usually banks want to give you a bit better deal, if the mortgage is together with an escrow, and at the same time that is one thing less to worry about.

On the other hand, I feel like one can have a better grasp on the investment making his own payments. 

What do you guys do? 

Thanks in advance