All three points are complete BS, these are not problems that occur if you turn off preload morphs. Well, maybe in theory loading morphs on the fly can "lead to lag or stuttering", but I think that's an inaccurate way of putting it. I've never noticed any lag from loading morphs on demand, but technically there has to be
some file reads and processing that occur. Generally morphs that get loaded on demand during a scene as opposed to while loading the scene itself are referenced in appearance presets, and the loading of skin, clothing etc. is going to cause much more "lag or stuttering" than the part where morphs are loaded.
Also, while turning off preload morphs proably does save memory a little bit, the main reason to do that is due to the performance hit of having a lot of morphs loaded, and the "too many heap sections" error.
Here's where ChatGPT might be able to help you. Ask it to write a script that
1. loops over all .var files in AddonPackages and its subfolders
2. ensures each .var has a corresponding AddonPackagesUserPrefs/*.prefs file (not including .var extension, not nested in a subfolder)
3. in each .prefs file, which is in JSON format, ensure there is a block customOptions with the key preloadMorphs set to false
JSON:
"customOptions" : {
"preloadMorphs" : "false"
}