Sheryl, you know what I think it very much has to do with overall climate of where someone is...so for me in Seattle its cold and damp all winter and winter lasts a long...long time
I tend not to use my heat much (low when I'm home and off when I'm not, I have grow lights which are florescent so they don't put out much heat, although they do some, and I'm in an apt. with the person below me probably sending up some heat too!) So for me I watered in the way you described last year and nearly lost, or lost several plants, they got too wet and cold. So this year I read somewhere that if its cold try reserving water and it really seems to be making a difference! My plants are still in their winter mode and shivering, but they're not getting too sad looking! And my babies are doing great, lost no attempts at propagating! (it is slower in the winter I think though!)
Serse - I use a sharp knife, I used to use scissors and it just didn't cut smooth enough and damaged both parent plant and cutting! As with the leaves I just set the rosette on the surface of the soil - a little shaded rather than in full light, also if you take too much off the parent plant you do run the risk of killing it, so I keep that in mind when deciding how much to take, I often have to work at it to only get maybe the top 6 leaves or so of the rosette. After a week or so I put it into the soil.
Also in terms of watering, I tend to water once per week, but I don't water heavily when my plants are indoors.
Hope this info helps! I really only got into having my own succulents 2 years ago, I have always liked them but figured it was too much work to give them the right environment in my zone, but they're actually pretty forgiving and so I live in a jungle now! Almost embarrassing! And all my friends know what they're getting for any gift giving occasion
Good advice from Greg.
I have just started growing succulents this summer, after the hubby of a friend that had passed away decided he wasn't successfully keeping the succulents she loved alive and gave them to me.I started out with plants half dead,without names and no idea how to care for them.For every plant that i have brought back or kept alive,i owe many thanks to the wonderful people on ATP.I have learned or am learning a lot!!! 
Ah..spring will be very busy for me then..lopping off the heads of some of my tall plants.
Since the plants are in my living space I thought it'd be nicer to not have long florescent bulbs and structures so I bought a lot of clamp lamps (16 of them) and I use florescent microbulbs with 5000 lumins of light each, so its pretty bright. I have those on for about 14 hours each day in the winter. People on ATP (in your other thread) were saying that one could do it cheaper, and with less mess by using shop shelves and florescent lights T whatevers for whatever fits your needs, If its for plants for pleasure I would say start with the cheaper ones, or mix cheaper with something midrange! These plants can go through a lot during the winter and bounce back when they're back in the sun! And where you live sounds warm and sunny and they love that! Here in Seattle we very often have low 60 degree weather at 4th of July, so the succulents need more during the winter since it is so out of their norm! Its funny though I just looked and you and I are both zone8 you in A and me in B, I think though that you have humid and hot summer weather, and we really don't have that! Anyway, its all exciting, I love plants and enjoy seeing what other's plants look like, what they enjoy and what they find challenging! 
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