Gary,
When in doubt, always, always, ask. I came within a gnats-rear of a serious TFR bust last year, and it was only by asking questions that I prevented it.
It was only a day or so after Reagan died, and I was flying from Concord, CA to Long Beach. About a 3 hour flight in a pokey 172. I got an FSS briefing and filed a VFR flight plan about 15 minutes before wheels-off. Opened the flight plan about 4 minutes after takeoff. Flew along blissfully, with flight following 80% of the time.
I finally get close to LA, about 10 miles north of Van Nuys, and tell the controller I plan to take the special flight rules area over LAX. Controller responds "unable SFRA, there's a TFR". Me: (Thinking what the ___?, what TFR?, did something happen at LAX??) "Huh??....uhhh, What TFR? how about the Shoreline route?" (a Class-B clearance is required for that transition). Controller: "Standby". About a minute later, the controller comes back: "Next controller will have your clearance". Me: "Negative information on the TFR, please advise" (feeling like a boob - how could I miss this?).
Controller advises me there's a 3-nm radius to 5K TFR around Santa Monica - which is the northern entrance to the SFRA. (The funeral home for Reagan was in Santa Monica, I found out once I got home). Next controller gives me the route clearance, but it will take me straight into the TFR. I asked the controller to confirm that I'm ok to be in the TFR (hey, I haven't read the text of it!), and he says yes, so long as I'm squaking and talking.
Explanation: they issued the TFR about 10 minutes after my FSS briefing, and it went into effect about 45 minutes into my flight. In an ideal world, the briefer I spoke with when I activated the flight plan could have advised me, but only if he was familiar with traffic routes in LA. In reality, I could have conducted the whole flight along basically the same route without talking to a controller except for the takeoff and landing at Class D airports. That's right, on a normal day I could have flown right through the TFR area. If the controllers had refused flight-following and not told me about the TFR, I would absolutely have busted the TFR.
Sorry for the long story, but hope there may be a lesson to be learned by others, and this seemed like a good topic to post it in.
Jeff