It depends what do you want to see in the accounting data. NetFlow is indeed most informative way. To remedy problem with large amount of NetFlow packets you've mentioned, some newer IOS at least on some platforms support 'sampled NetFlow'.
IP accounting is of quite limited value because in many cases it will result in process switching, which penalises performance of the router.
I wouldn't put much hope into SNMP beyond collecting ifOctets & Co from interfaces because even with moderate traffic you will have either to poll very often or loose some info. Also SNMP is low-priority process on routers if I remember correct, so during high-load you may not have information why that load actually happened.
RADIUS accounting is limited to connections that were authenticated via RADIUS, that's mainly dial-up and all sort of DSL/PPPoE users.
If you only want to know how much traffic leaves and enters your network (so you can compare it with values on your ISP bill), polling ifOctets via SNMP should be fast and easy to implement. If you want to know how your network is being used, then use NetFlow. Or actually use both.
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