When and when not to stub/mock a test

I am making a concerted effort to wrap my head around Rspec in order to move towards more of a TDD/BDD development pattern. However, I'm a long way off and struggling with some of the fundamentals:

Like, when exactly should I be using mocks/stubs and when shouldn't I?

Take for example this scenario: I have a Site model that has_many :blogs and the Blog model has_many :articles. In my Site model I have a callback filter that creates a default set of blogs and articles for every new site. I want to test that code, so here goes:

describe Site, "when created" do

  include SiteSpecHelper

  before(:each) do
    @site = Site.create valid_site_attributes
  end

  it "should have 2 blogs" do
    @site.should have(2).blogs
  end

  it "should have 1 main blog article" do
    @site.blogs.find_by_slug("main").should have(1).articles
  end

  it "should have 2 secondary blog articles" do
    @site.blogs.find_by_slug("secondary").should have(2).articles
  end

end

Now, if I run that test, everything passes. However, it's also pretty slow as it's creating a new Site, two new Blogs and three new Articles - for every single test! So I wonder, is this a good candidate for using stubs? Let's give it a go:

describe Site, "when created" do

  include SiteSpecHelper

  before(:each) do
    site = Site.new
    @blog = Blog.new
    @article = Article.new
    Site.stub!(:create).and_return(site)
    Blog.stub!(:create).and_return(@blog)
    Article.stub!(:create).and_return(@article)
    @site = Site.create valid_site_attributes
  end

  it "should have 2 blogs" do
    @site.stub!(:blogs).and_return([@blog, @blog])
    @site.should have(2).blogs
  end

  it "should have 1 main blog article" do
    @blog.stub!(:articles).and_return([@article])
    @site.stub_chain(:blogs, :find_by_slug).with("main").and_return(@blog)
    @site.blogs.find_by_slug("main").shou