I think the higher rated you are the sooner you should resign. lower rated player from both sides can practice finishing off games.
I was at a club tournament where one player had only a rook and the king and the other a bishop and king which should of been a draw. Both players were higher than my 1500 ish ACF rating and player 1 with bishop asked for a draw in which player 2 wanted to continue a few more moves. turns out that player1 with the bishop didn't move his king to the correct corner of the board to force a draw and was check mated in the opposite corner. He was very very upset that player 2 didn't accept the draw before as everyone knows they a theoretical drawn games.
I bet he knows which corner to move the king to now 
My point being is sometimes it doesn't hurt to test your oppenent to see if they do know how to finish you off or force a draw.
Hi,
Just a question about what is accepted and expected....
When you are loosing, at what point is it expected that the loosing player resign? Or should the other person be good enough to not have to chase you around the board?
I've been down 8 and still won, but I've also been even and can't see anyway to win.
What is right and polite and expected around here?
Tanx