Rod,
It's not as much an issue for shipping modules, and especially on a Development-only server, but when it comes to payment modules, we've been strongly recommending Remove instead of Disable for a couple years now due to a quirk that can cause a "disabled-but-installed" module to get triggered unexpectedly and without explanation on intermittent occasions.
We hope the quirk is fixed in the upcoming 1.3.9 and 2.0 versions.

Anyway, we have now completely digressed away from the original topic of this thread.