it's very situational, really.
4th and 5th are weaker and they need more developing. and if you avoid them, they will become effectively ineffective. the easy (easy sounding but bombing difficult to achieve) way out is master hanon. there will be no more arguments
you have a perfect set of fingers and just pick a fingering you like. if its more logical to use the 4th, go ahead; dont change fingerings unneccessarily. you only adopt a different set if its better for you. i guess the exception as discussed is etudes. for everything else i like a comfortable fingering. one that works.
for example in bar 7 and 8 of chopin's fantasy impromptu, (the upward arpeggio to B and the downward run), my fingering is:
0123 4123 5432 1242 1313 2412 4213 1243.
if you will have the patience to try this set of fingering, yes i find that its probably the most comfortable for me so far. slightly more turns than the suggested set, but i avoid 5th finger most of the time, except on the B. and thumb appears nowhere along the black keys. it's very comfortable for me. and i don't avoid the 4th finger (: i think mine's strong enough to play this thing. =P hehe.