I bag my hops in the boil using a "hop spider" which you can search for in the DIY thread. No problems with hop utilization whatsoever. However, the key is to use a big bag so the hops are loose enough to get maximum surface area exposure to your wort. Makes a HUGE difference in the amount of detritus left at the bottom, and I squeeze the hop bag to get all the good liquid out.
As for not pouring your wort, I did that for a long time. Used to be a lot of concern about hot side aeration, but it seems the prevailing wisdom on HBT these days is that it's not a real concern. Moreover, you DO want to aerate your wort before pitching yeast.