I think filing after the fact puts your collateral at risk. You only have so long after a transaction to perfect your lien. If a judgement or other notice of lien is filed while you wait you may lose your lien rights.
I think you need to balance that out against the risk of notifying a stacket to pile on your transaction.
I don't think the industry has figured out what it wants to be when it grows up. Secured or unsecured party.
Bob