I do the chopped up clump method with the tiny guys like lobelia and alyssum. And that is on indoor grown seedlings. I like lots of lobelia for baskets and for edging. I think I did 3 packs of seed last year. I started each pack in a large clamshell box. When they were big enough to transplant, I scooped out about a square inch at a time, and moved them to individual little 3oz cups, then when I planted them out, I ripped each of those clumps into 2-3 chunks.
When the seeds are cheap or free its the way to go. When the seeds are 4 bucks for 10 seeds……... I get a bit more protective of them.