I saw a really cool video on HDR a while back on YT. I wish I could find it again.
Instead of the mindset "I need to take 3 images" he basically took how little or many exposures it took, at equal stop-incriments in order to capture full DR -- then he would combine those.
Basically his shortest exposure was just clipping the blacks, then increase the shutter speed until he was just clipping the whites. In some cases it might just need one exposure, and others maybe 5-6. But he said the key was shooting narrower stops between shots.
So if say you needed 2-stops of light starting at 1/125sec, he might shoot: 1/125, 1/160, 1/200, 1/250, 1/320, 1/400, and 1/500.
something like that at least, it's been a while.
His results were pretty fantastics, and the idea of only taking what you need makes plenty of sense to me.
I'll see if I can dig it up.