any time you do a filler panel like that you want to weld it in as much as possible. you want any flexing that the panel will do, to be transmitted right thru the weld and into the next part of the panel... if the flex stops AT the weld, the surrounding filler will crack
the best way to do the welding is to use spot welds to start, get the panel tacked in very well all the way around, then use slightly longer welds to start connecting the dots
use a blow gun to cool each weld after you do it , and jump around ... from 12 oclock to 6, then 3 and then 9 oclock ...
3/4 welded is the least i would recomend, fully welded is always the best