I was actually thinking of this the other day and started to make a note of when I typically disconnect the autopilot and found it's between 1200-1000ft. So basically after my personal 'stable gate', even in VMC.
Also, in the last 6 months I have not come across one colleague who disconnected what some concieve as early, ie between FL100-3000ft. In the month prior to that I had one colleague who disconnected it at Fl150 to save the approach as it would have been bloody hard work to manage it with the a/p engaged. (ex bush pilot for what it's worth and he did a stunning job)
I do fly all my departures manually up to FL100 and are new to type/manufacturer.
A lot of the times, IMHO, you also benefit more from utilizing your a/p, a/t and situational awareness skills than from the manual handling part due to a challenging ATC or terrain enviroments. No mention of wx for obvious reasons.