I never understood why custom characters required you to disable characterautoloads
One of the biggest reasons for disabling characterautoloads was that sometimes the character.
I mean their character would clone it self from time to time meaning there would be multiple models of the players original character
when they either reset just in time for the character change
but when should you know that it's time to disable CharacterAutoLoads in your game and make a custom .Died event
Good question. It depends on your usecase. For strategy type games, where the player doesn't really have a character a developer usually turns CharacterAutoLoads to false so you can control the camera. This might also be the case for games where there isn't a character in the first place. Or a game where the character has to only be respawned after each round. Or even one where a player can have multiple classes.
Secondly, you don't have to turn off CharacterAutoLoads to use a custom character. You can put a model named StarterCharacter and a humanoid named StarterHumanoid in the StarterPlayer folder; this will override the default character/humanoid.