the only place that i have submitted to for printing is daprints, and there you get a set of possible sizes that have the same ratio as your submitted photo, so it's never been an issue with me.
having said that, i agree with getting the in-camera crop close to what the final output will be. i sometimes leave just a little spare room around the edges to give me flexibility, but overall i try and get it close to right while i'm taking the photo.
there are exceptions though. for example, when i know i want to crop something into a longer format, i can obviously not select that in-camera. i then take the long edge close to the final and crop top and bottom (for a landscape format) later. or, if i photograph a moving 'target' i may include more space than i want for my final photo just to make sure i don't inadvertantly crop of a body part...
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