Play as loud as you feel comfortable. Everyone else in the band have amps so they can turn theirs up.
Yes...we have taken to mic'ing the whole kit most of the time now, even when we are in a scenario where just kick and snare would be enough. All the toms, and an overhead. Gives our sound guy more options, and it does make the sound fuller. And when it happens that we need extra punch, it's right there.Somewhat related question - do any of you mic your drums to fill out the sound, even if you don't strictly need it volume-wise? It's nice when you don't have to play so loud that microphones aren't necessary, but I always feel disappointed in the sound when everyone is mic'd except for the drums. I feel that micing the drums and running them even at a very low level through the PA will help the overall sound. Maybe that's why they use plexiglass shields in some places?