Xref usage - attach or overlay

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At the company that I just started working, they have chosen to create a Discipline master file of the main plan and ATTACH all possible xrefs so that they are all easily accessible. It has been my practice everywhere I have worked to OVERLAY xrefs on an as needed basis. Im not sure why they have chosen this method but Im guessing they have "Dumbed Down" the system for the less-experienced users. My question is what side effects would this method have on normal everyday usage? It takes a long time to open a file and likewise to reload xrefs as they change. Im assuming the computer system has something to do with this but I wonder if the mass amount of Xrefs that are attached to every file has something to do with the lag on the system.
I should also say that the company standard is to open a "Prototype" drawing that was created for each project and Discipline and to do a Save-As to the new file name. The standard is also to Insert a border block into modelspace and use all the associated scale factors to Scale up the blocks, text, dimensions, etc and they have set up the layout tabs to print to all of the printers. Sort of like a Page Setup. While this makes it easy for even the least experienced person to print and get a scaled drawing that matches every other drawing, it really isnt best use of the layout tabs. I started using autocad pre-modelspace/paperspace, so when the need for block scale, dimscale, etc. went away I was more than happy.
Any help or suggestions on stream lining the system in its current configuration would be greatly appreciated.
Thanks