Spent the day doing camera settings image comparison tests. Do you shoot in RAW mainly so that erroneous camera setting can be "undone" after the fact? If you do, you better do a few tests to confirm that what you think happens is, in fact, true. This is one of my test images.
A senior Nikon tech-type wrote, on a forum, that you are better off not turning Sharpening OFF in your camera. I come (came) from the school that said do sharpening late in the process and do it yourself so that you have control of the output (not some Nikon programmer who wrote the firmware for your camera). The Nikon person is 100% right based on my tests. You need to turn in camera sharpening on at some level.
Part of the issue is the difference between *input* and *output* sharpening. My reasoning is correct for output (to the web or printer). However, it turns out that due to the way that digital cameras work, their images are inherently soft. Part of the problem is caused by the filters that overlay the sensor. It turns out that you must sharpen on input to compensate for the digital hardware & in camera processing done at the time of image capture - it is NOT something that can be done after the fact. Specifically, enabling sharpening when processing the RAW file does NOT produce the same image as that obtained by making the same sharpening setting "in camera" before taking the shot. Further, no amount of sharpening wizardry (USM, high pass, advanced, etc.) can bring the "sharpen off" in camera image up to the quality level of the "sharpen on" in camera image - all other things being equal. You can get them close but that's the best you'll do.

http://www.pbase.com/ed_k/image/74745474