MAME on Arcade Monitor - What Vertical Settings to Use?

[porkins]

I'm running MAME through an ArcadeVGA and J-Pac, hooked into my horizontal arcade monitor. I have it set so that Windows running at 640x480 looks fine and fits the screen, and any horizontal games in MAME look great. I am running auto resolution, ddraw, no hardware stretch. I know some people recommend running a resolution tool to set the resoluytion for every game, but suto seems to be working correctly without that. Vertical games, however, are either severly cutoff at the bottom (the bottom row on Pac-Man is squashed badly), or the screen flips out. I understand I can create a vertical.ini which will apply to all vertical games. Do I need to include everything that is in the mame.ini, or only changes? What would the best settings be? I would want all vertical games to just fit the screen, even if they had to be stretched, since getting pixel perfect reproductions on a horizontal monitor just isn't going to happen.