I'm not using any of these tools yet, although this article popped up at just the right time because Quickbooks and my bank conspired to miss a bunch of transactions that I'm cleaning up now... but that's beside the point.
The strategy I've used for different accounts/categories is to make accounts that match the expense categories that the Canada Revenue Agency wants on my tax return. Early on when I was getting into it I made a bunch of accounts for logical categories (Hosting Expenses, Prototype/Manufacturing Expenses, etc) but then after a few years of trying to map those categories into CRA categories... I just realized I could pre-categorize them appropriately and make my taxes simpler at the end of the year.
The strategy I've used for different accounts/categories is to make accounts that match the expense categories that the Canada Revenue Agency wants on my tax return. Early on when I was getting into it I made a bunch of accounts for logical categories (Hosting Expenses, Prototype/Manufacturing Expenses, etc) but then after a few years of trying to map those categories into CRA categories... I just realized I could pre-categorize them appropriately and make my taxes simpler at the end of the year.