I have a system where data is stored in a persistent store and read by a server application. Some of this data is only ever seen by the server, but some of it is passed through unaltered to clients.

So, there is a big temptation to persist data - whether whole rows/documents or individual fields/sub-documents - in the exact form that the client can use (eg. JSON), as this removes various layers of boilerplate, whether in the form of procedural SQL, an ORM, or any proxy structure which exists just to hold the values before having to re-encode them into a client-suitable form. This form can usually be used on the server too, though business logic may have to live outside of the object,

On the other hand, this approach ends up leaking implementation details everywhere. 9 times out of 10 I'm happy just to read a JSON structure out of the DB and send it to the client, but 1 in every 10 times I have to know the details of that implicit structure (and be able to refactor access to it if the stored data ever changes). And this makes me think that maybe I should be pulling this data into separate business objects, so that business logic doesn't have to change when the data schema does. (Though you could argue this just moves the problem rather than solves it.)

There is a complicating factor in that our data schema is constantly changing rapidly, to the point where we dropped our previous ORM/RDBMS system in favour of MongoDB and an implicit schema which was much easier to work with. So far I've not decided whether the rapid schema changes make me wish for separate business objects (so that server-side calculations need less refactoring, since all changes are restricted to the persistence layer) or for no separate business objects (because every change to the schema requires the business objects to change to stay in sync, even if the new sub-object or field is never used on the server except to pass verbatim to a client).

So my question is whether it is sensible to store objects in the form they are usually going to be used, or if it's better to copy them into intermediate business objects to insulate both sides from each other (even when that isn't strictly necessary)? And I'd like to hear from anybody else who has had experience of a similar situation, perhaps choosing to persist XML or JSON instead of having an explicit schema which has to be assembled into a client format each time.