We done the self disembarkation on Oasis last year. First time doing this as normal we don't get a choice and have our bags taken off for us and then go finding the colour section as explained very well above.
When we took our own bags off, the times for first call was between 7am - 8:30am then everyone with colours would be leaving. What actually happened is that we strolled off around 9:30am, no real queue, about 20 people and it was such a breeze.
Let the stewards bring you bags on as its easier walking around finding your cabin without having to carry luggage with you. Then it all depends on how quick you NEED to get off the ship when you return. Example, if flights are in the afternoon, then let them take the bags off.