Yes, I do both of those ideas, but I would also welcome hearing what other people do. Those last two generations are so tricky because of privacy. I wonder if family historians have a different view on data privacy from the rest of the world.
Now there's a topic for another conversation.
Zaph
Having a DNA Match with a useable User Name is the first thing to check, if they are female trying to determine if their surname is their married or birth surname?
An odd User Name can be traced but that depends upon shared matches and if they have a tree all be it a rudimentary one.
Fingers crossed that there is a tree to use as a guide.
Somewhere in the tree hopefully there will then be the Paternal and Maternal surnames and I use them, so where Ancestry shows them as Private I initially use the surnames with no forenames.
Then add the DNA Match and search for their birth, especially their location which I then use as the likely Marriage location. I then look for Siblings to see if the location remains consistent and add them to the tree.
With luck we then have the final branch of the tree accurate.
We start with the MRCA in the Thruline and work forward for each of the people.