Well... it's hard because I have two different approaches to novels. The one I have for my non-romance plot stuff and the new one I'm developing for romance. All that terminology "pinch points" "inciting incidents" makes me want to puke. I don't bother with that. I'm sure when people told stories hundreds of years ago around the campfire they didn't worry about pinch points.
I keep a few things in mind (and this will be different for romance sort of) 1. What does my character want most? 2. What does she need to do to get it? 3. What is the worst thing (or things) that can stop them from getting it?
If you can make a good story... you don't need to worry about those 'pinch points' it will just sort of happen. If that makes sense. I guess what I'm saying is when people tell stories they didn't sit down and think "hmm what is my pinch point?" Instead, they came up with their characters, and a story. Be a storyteller. Not a story analyzer (is that a thing?) Don't let yourself get wrapped in analyzing or terminology that your reader doesn't know or care about anyway. Tell a story with good characters and you'll win.
Now with romance, I'm still learning... it's a harder beast imo to plot/plan. (If you have KU these might be of some help.) I've read this: http://www.amazon.com/Busy-Writers-Tips-Writing-Romance-ebook/dp/B009HUQ8KK/ref=sr_1_25?s=digital-text&ie=UTF8&qid=1449616072&sr=1-25&keywords=writing+romance
And there is some helpful info in there... might need to dig a little but it helped me figure out my 'plan' for plotting romances without worrying about what pinch point really means.
To sum up, don't get bogged down, just tell a story about the characters. Get them together, love love love, kiss kiss kiss, pull them apart and make them find their way together again. Swoon. After all, romance is more about the characters than anything else anyway.
This is what works for me but some people may disagree. I'll let you know how it works for me when I'm taking a bath in all my money. :)