ZBrush Blocking?

Question

3D

Tell me, please, blocking in ZBrush is very popular now, many experts and practitioners recommend sculpting each part of the character with a separate subtool, - arm, leg, body, upper part of the head, jaw, nose, ears, etc.
I still understand if this is for creating insert meshes, but it’s inconvenient to split up like that, especially if you make a character from Zphere, subtools are convenient for me for such things as: eyes, teeth, nose, ears, palm with fingers, fangs, those that are easy to attach and hard/long to do.
The advice of practitioners is interesting, how often customers radically change the concept, how much you split your models.