Neck failure is not the most common failure when FL sizing. It's usually a case head separation, where the case stretches just above the case web enough to separate, and that's because the die isn't set up
properly.
Annealing every three firings or so, will eliminate the neck problem.
You can use whichever method you want. I have used both and found no benefit to neck sizing, including no benefit in brass life. Proper FL die setup will yield as much brass life as neck sizing. This has been tested by me firing thousands of rounds per year from several different rifles, to include belted cartridges and non belted.
Many people just neck size, and they swear by it...no big deal. But to say it extends brass life and better accuracy is only true if the FL die is NOT set up properly..
And..... When the cases get a little harder to chamber, the crush fit feel... You could be damaging your bolt lugs by galling them. You are using the bolt to basically size the case to fit. The tight fit will squeegee the lube/grease from the lugs.