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The advantage is exactly as you've outlined- being able to control ride height separate from the spring pre-load. I think the only disadvantage to adjusting them separate is that you're intruding more adjustments, which is more complex.
Think of it like buying a rifle without a scope, vs buying a rifle with a scope. Yes, the gun will still shoot and function without a scope. Adding the scope with allow you to dial in your aim properly though, but adds complexity in that it's one more setting you have to adjust.
Adding a scope = Separate pre-load adjustment
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