OK, question of the day.
SMF's post notifications has a user on/off for the body text - plus a master override. PMs on the other hand, have neither. You get it every time.
Now, adding a master override is easy, adding a user preference not quite so much. Do we want to allow the user preference on this or not? (It is actually a schema change if we do, but not a huge one, just an extra tinyint in the members table)