Why wouldn't you use the mechanical layers? If you don't use them, they don't matter anyway. If you do, you should want as much information, and accuracy, as possible. Anything else is negligent or half-assed.
It's worth looking up IPC-7351 specs to see what the general guidelines are. That way you also have some idea which way to allow for errors, given the part and PCB tolerances, plus any other allowances like soldering or clearance or anything else you might want to cover.
Tim