I find the RUS chords to be offbase sometimes, but sometimes they're fine, and when they're offbase at least they're a starting point for me - I find it difficult to ear out chords for a song from scratch.

And I also really like having the chords written separately from the lyrics, and the system they use. Once you figure out how long each chord written alone is supposed to last for the particular song, then you just have to follow the pattern of playing the chords in units or double units or half units (units meaning strum-down-strum-up or a measure or two measures or whatever for that particular song). I use the RUS system in my own notes about other songs.

When the chords are written above the lyrics, that makes the first verse easier but all the other verses much more difficult to follow (unless it's written out again for every verse). If you're not very familiar with a song, trying to anticipate whether the word "said" or "look" in the second verse corresponds to the same beat as the word "wrapped" in the first verse is a real pain. Also, sometimes the chord changes happen in a pause between lines, or in the middle of a drawn out syllable, or a beat before a word, which is harder to clarify with the "write above the words" system. Much easier to say for each verse: G Bm C G....

Marion