In my company FD must always be used unless cleared for a visual approach with no descent restriction.
The EMB145 doesn't have autothrottle so always manual thrust.
On take off normal practice is AP on at 1000ft AGL
Personal preference is to hand fly to TOC when weather nice and clear, smooth and workload fairly low. In reality that is about one in 15 sectors.
I've handflown 2 complete sectors by choice in 4 years.
I never handfly in the sim unless the AP is u/s!
On approach company states AP use dictated by conditions and workload imposed on other pilot, ie, busy RT while dodging CBs into LHR not a good time to handfly. AP off by DH.
Generally folks disconnect AP at about 2 to 3 miles, between 500 and 1000ft agl once stabilised. Earlier if gusty, perhaps later if very smooth and AP doing a good job.
I once did a raw data (FD off) visual approach on a line check, and while it went well I'd never do it again, too big a risk of digging yourself a hole compared with AP on ILS. Line trainer said he's never seen anyone do a visual on check before!