If it is a good game on both sides I usually play it out. If I majorly screw up and compromise my own position I will sometimes resign, but it is usually beating myself up. If I resign I will still often try to say something to my opponent rather then just resign and take off. I think that is rude and sometimes petty.
Etiquette on resigning
i know that is in accordance with rules and regulations, but it is not the best style...
It sounds like the argument can be summed up as follows:
Beginners, in general, are fans of "playing it out" to the bitter end because most of them don't get a lot of games and prefer to practice all parts of the game win, lose, or draw.
Experienced players, in general, have a very strong understanding of what wins and loses games, and don't find it necessary to continue playing when it's obvious that one side has won because they have lots of other games to move on to.
You should always resign when they other player has clearly won. Here my opponent doesn't resign and draws with me left at 0 and him at 4. I was dissapointed because I felt I deserved a win and my opponent played somewhat dirty. Give credit when credit it due. Although I clearly accept loss, loss by 4 seconds?

"I'm sorry but this is almost the goofiest thing I've read on here. Does anyone really think a high level player needs the satisfaction of checkmating? C'mon. Both players know the position. It's gonna happen. It's as good as happenning. All that matters is the number 1 being written on the crosstable!"
That is just materialist thinking. It is not all about 1 point on your scoreboard. Many GM have taken their games to certain positions in tournaments so they could defend their teories, Naidorf said to Tal just before their game that he will accept every sacrifice in game, and Tal promised that he will try to do so in game. For those people 1 on scoreboard is not most important. And just imagine, considering that every GM know when he is going to be checkmated, that no game in history of GM games have ended with checkmate. Maybe for you it is all about win, to me it is all about chess. No one is stoping you to resign every time you lose a piece, but some sportmanship is in order here. It is easier here on online chess to do what you like, and there is nothing anyone can do about it.