As far as active downshifting is concerned, I understood a number of years ago that this is fine for racing, where wear & tear is not an important issue, but for longevity of clutch / transmission it's better to avoid it.
My practice is similar to some other responders to this thread. When slowing down with our MT Dodge Dakota, I try to anticipate as far away from the slow down / stop as I can, getting off the gas and leaving the transmission in the gear selected. When the front brake pads were replaced recently for a locked right caliper, the mechanic remarked that the left pads looked "new" (on a 45K vehicle).
As far as our AT car, the SAAB has an Aisin (owned by Toyota, I understand) 5-speed, and it downshifts itself when you get off the gas and slow down; you can feel the engine braking, too.