my gf stays at HG street 91. i stay opposite Tampines MRT Stn
busstop.
she is a sit-down-and-don't-want-transfer person.
i am a shortest-time-taken-don't-care-sit-or-stand person.
she'll take 72 to come here or go home. HG Ave 9 1st busstop. i'd
go by 27 and switch to 161. it's a personal choice. 
I am a person like yr grandmother, i HATE to transfer. even if i
need, it would be as less transfers as possible.
but occationally i would be like you too. one of thm is
when i go to arport and back to my sengkang home. sometimes,
especialy when i came back from airport in the morning, i would
take 86<--->858 becoz i knew i would get sardined on 27(there
are less than 10 people on board 858) and the OCs are number
one, as quie as air, number two, vibraton tone perfest and number
three, the white colour is nice, which made my morning rides even
more comfortable.
But in majority, I take 27, probably becoz it has became a
habit...