I go into what I call tug boat mode!
Get enough speed up to let my bow cut the chop in half if you will and simply push through it rather than over it.
Certainly not at planing speed as I too feel it is too hard on the equipment being banged around .
There was one occasion several years ago where I was caught off guard when a huge storm quickly rolled in with much rain.
Had a comp at the time.
Opened her right up ( which is not my style normally) and she danced across the waves beautifully with little rough bounce happening.
Home in record time safe and sound.
Not all wave conditions may always allow such a feat however!