There are so many other factors that i find more important when placing parts than to worry about the stencil size. I spend so much time worrying about not painting myself into a corner leaving room for modification on a working design, efficient manufacturability, mechanical design, interferences, stray capacitance, the length of traces and also the board size as the cost cutting measure that the stencil size doesn't even enter the list of concerns.
Considering that it's usually a one time fee, I wouldn't worry too much about it.