Am I missing something by not using "Inflow: To Be Budgeted"?
I have been using YNAB for over 5 years. I love it. It works great for me.
I do not use the Inflow: To Be Budgeted category. All my monthly income goes to a category I call "Buffer". The next month I allocate all the last month's money among my categories. This is how I make sure I am spending last month's money this month. (I am actually spending older money as my age of money is 146 days).
Am I missing some feature by doing it this way? Is there a strong reason to change?
Yes. You are missing income flowing into your budget so all your reports will be off and you are also missing the ability to use the quick budget tools to budget your month with click of a button, Underfunded. Another nice quick budget button is Budgeted Last Month.
The good news it’s easy to fix. All my income also flows into a category and then is categorized in the next month. The only difference is that it is released to To be Budgeted before budgeting. You can do this easily by selecting the All Accounts view and then filter by your Buffer and bulk re-categorize as TBB.
Turquoise Horse Forget my comments, based on my post I think it's ok to use the buffer, it probably is very helpful. Whatever floats your boat.