[iptables] drop or accept policy for outgoing connections.

Hi

I have a question about iptables and rules for OUTPUT
chain. If I have a typical desktop without any services
like SSH, Samba etc. it is better to use something like?;

iptables -P DROP
iptables -A OUTPUT -o eth0 -j ACCEPT

or it does not matter and it could be a simple one rule;

iptables -P OUTPUT ACCEPT

I'm asking because I'm curious. And frankly I've always been.

Best regards.