Recently retired from a 121 US carrier on the 320/321. I made it a point to turn off EVERYTHING at least once a day regardless of the wx. FD, AT, AP. When I was in the right seat, I flew with many guys who had NEVER turned off the AT!! I personally thought that was insane. During one recurrent event, the scenario was LGA/BOS with inop AT. As we were getting ready the Capt very quietly asked me to take this leg, i asked why and he said since he had never flown with them off he felt uncomfortable doing so….😳. When cleared for a visual approach anywhere, I would disconnect all, the FO would ask if i wanted the ībirdī?.. my answer was alway no. My own opinion was if I could not manually fly the airplane in visual conditions to the touchdown zone by either looking out the window or using the VASI/PAPI, I probably should not be in one of the two front seats….YMMV