I have started using pads inside the disposable diaper. That way I just change the pad which costs less but still have full protection just in case.

For me it depends on whether im home or at work.. or out an about. It also depends on whether im wearing a mid-range disposable or a premium. Right now I use cloth almost exclusively so they are more absorbent than what Medicaid provides. The amount of Leakage can vary quite a bit from a few spurts to a flood that can shame any diaper not of premium quality. Thankfully the cloth system I use can easily be adapted for lighter days or heavier days with ease.

I change every few hours if my diaper is leaking or if I pooped my diaper I change it.