I totally see your last point! However, I once got my characters stolen because I didn't have a tile watermark. They cropped around the watermark, or used the thumbnail of the picture, and I'm very afraid something like that will happen again. I try to make sure the watermark is easy to look around, however. Maybe I'm just terrified of something that will never happen again, but better safe than sorry, right? Aha
Also, when I'm trying to draw a character, it may be just me but clicking through multiple images that look like headshots to not be sure if they are cropped or not just to find a refrence sheet is a little annoying. I get how it may be fun for you, however! I keep cropped thumbnails for Instagram posts, though, not character references, as its just my personal preference!
Also, ahh I hate it when people change the entire layout of ToyHouse. I get if you have it on your profile you'll get used to it, but to us who don't have it is really annoying! I want to admire your characters, not try to find them! Also, incorrectly used warnings are so annoying. Thats why I turned warnings off lol, best decision I've ever made tbh.