I take the doors & windows out, but if theres a bead and or if you have to return into the window I add that + the cost of covering the window. That way I'm not picking up too much material. I usually have a pretty detailed bid where I break down every step it takes to do the job. There's rarely any question about how I came up with the price. The last contractor I bid a job for that couldn't deal with my price lost his ass on the whole project I heard. I had originally mostly had my pricing put together and then I headed out to the site and verified some of the actual dimensions (which didn't match up with the scaling on the plans) and then they handed me a stack of specifications that he should have given me in the first place. The architect had all kinds of crazy s**t in them. Zinc galvanized beads, $500.00 a roll rain matting under the lath, unreasonible temperature & wind restrictions for when your stucco could be applied. On and on… I went back and added pricing for each little thing the architect called out for. The contractor told me I was way too over priced. Not my fault his numbers originally didn't include all the added spec's. I haven't worked for them since, but like I said they really lost their ass on the project. They were always one of those outfits that stretched it out as far as they could on getting you a check anyway.