As you have already figured out, everyone here has a different system, everyone has a different opinion and everyone else is wrong.
Us pilots are a wide variety bunch and if things can be accomplished multiple ways, we will find them.
Honestly, you have 2 basic options. (well 1, with a backup)
Do what works best for you without forcing it. The best habit is a natural habit. Forcing yourself to re-learn it differently can lead to trouble.
And the backup option is to remember to do it differently if your CFI/DPE requires a different method. Some of them can be quirky.
I myself found out that what my old-timer CFI taught me works well for me. When I see the rwy in front of me and getting ready to land, I do the GUMPS check (I don't just mumble it, I actually perform the check, it doesn't take more than a few seconds), verbalizing it all, including a mumble that we have been cleared to land (if in a towered environment). For me, that is the most logical place to do the GUMPS check and hence it feels natural and most importantly, it comes naturally. "There's the rwy, we'll be landing, GUMPS check".
Again, this is just what works for me personally, y'all do whatever works for you.
And I loved the comment that you shouldn't worry, you will remember to put the gear down after your first gear-up landing.