I read this yesterday and was waiting to see the differant responces that there were going to be.
For the sake of FS9, yes there are deviations depending on what aircraft you choose to fly.
But that wasn't the question, sooo how do you tell? When you fly you should have a map, then the map will tell you what the declination is.
To the best I can tell, it is 12 1/2 degrees here at a semi local airport. Taos NM

I think this is what you are talking about.
Now as to the adjustment every fifteen minutes goes, I have no idea what the general rule is. I know for sure the course has a lot to do with it. For example traveling E to W it will change faster that it you were traveling N to S.
Is this what you are talking about?
Sorry about the poor quality picture, it's dark and I didn't set up the tripod. The crease is just about right on the true north line.