I don't pay attention at all. I'm mostly busy trying to keep Mia from biting/eating the toilet paper. It's a recent thing but she will go crazy trying to get the toilet paper from me while I'm going to the bathroom.
At the lines...I think I'd have to intentionally try to rip between lines for it to NOT tear on a line. Though on occasion we do get toilet paper that isn't perforated, so then it's sort of a free-for-all.
I use the lines but just because that's where it always rips and I think it looks kind of messy to just have the jagged rip.
BUT if I go to a public restroom I don't even bother. Most places have such cheap TP it doesn't matter if you are trying or not because the 'dots' don't rip.