Well - I've decided to draw my animation frame-by-frame, but straight into flash. A sort of compromise between the two approaches I was considering before. I'm hoping this will help me loosen up my drawings a little.
Here's a few little examples of what I've been working on..
A rough model sheet for my girl character
This is Mark the poor embittered guitar shop guy, and his many wondrous hairstyles.
Bottom left wins. I drew a lot of quiffs that week...
And here he is in his element - apathetic behind the counter!