Hi Jeff,
It depends where you want your subject. If you always want it in the middle of your frame or the subject is big and fills most of the frame then most AF layouts are fine.
Particularly with macro I value the chance to place my point of focus away from the centre of the frame. The subject may fill the frame - but say you want the eye to be the point of focus and in some unusual place in the frame then having an AF sensor in that part of the frame is very useful. For me, the minimum is to have the AF points covering the centre and thirds (including intersections) of the frame. As these are places within the frame it is common to place a strong compositional element (where you have a desire to keep it sharp).
Many just use the central AF point, lock focus and then recompose and shoot. I don't favour this approach underwater where it is not possible to be completely still (in terms of macro depth of field), unless you like to lie across the scenery, but to do accept it is horses for courses. Many find AF-Lock and recompose (I think * button on Canon) works well.
To quote from my review:
"Of course the camera has an AF lock button, with a lever that falls right below your thumb on the Subal housing, but I do not favour such a solution. Particularly with macro shooting, I want to have my AF point right on a key feature, such as an eye, ensuring it is razor sharp in my preferred composition. Surely this is more desirable that focusing, locking focus and recomposing while all the time trusting that neither you nor the subject moves."
In every instance, having good frame coverage with AF points is advantageous, since all the cameras I have used allow you to select them singly or in groups and to turn others off. But you can select them or turn them on when needed.
Alex