Hey Ryan! Sorry for the late reply – Our comments system has been struggling for a few months, causing a backlog of unanswered questions.
The level of polish for me depends on – as you mentioned – whether or not I’ll be baking from the dyntopo sculpt. If I’m not baking then I’ll concentrate my polishing efforts on the detail areas. But for smooth surfaces, which can be difficult to achieve with dyntopo sculpting, I’ll opt to leave them unpolished and wait for retopology where it’s easy to build a smooth surface.