I've never really had a problem with players taking too long so we've never needed a timer or time cards for actions. Some people may pay attention to their phone or the TV (if it's on in the background), but a simple "It's on you" and they will act. Obviously, it can be annoying to have to say that to the same person multiple times a night, but it's not terrible. That's my only real issue with taking a lot of time.
As far as if a player has a big decision to make for a lot of chips, I'll let them sit and think for a while if they need to. I don't like limiting the time on a big decision, but again, I've never had this problem with the players I play with. Longest tank I've ever seen in a live game was maybe 3 minutes max if that (which can feel like an eternity if you are not in the hand and just sitting there waiting), but nothing that would require time cards.
That being said, let's see some cool time cards that people have!