Yep. My ratio is plan a little then write a lot. The thing is, I'm in a writing mindset rather than a planning mindset. The index cards are just suggestions on what scenes should come next. Once I sit down and actually write, I'll either follow the plan or veer off if something comes us that's more exciting. I only use the teasers or index cards to get me up and running as soon as I get my butt in chair and hands on keyboard.