Blanket accepting POST data to insert into your database is a terrible idea.
Rails gives you attr_accessible and attr_protected to alleviate this problem. Protip: the one from those two that you suggested to use is just as terrible an idea as allowing blind POST into your database. Blacklisting is always the wrong approach to security. I don't care if you have to repeat yourself and type more characters: use the whitelisting of attr_accessible.