I also prefer to model the floor finish as separate slabs from the floor system composite for all of the same reasons listed above.
Since ceramic tile & slate floor finishes require stiffer floor framing below, I like to show these two finishes on floor framing plans so that structural engineers & floor system suppliers take this extra dead load into account when developing the design of the floor framing for minimal deflection in these areas (L/720). Graphic Overrides are used to give these particular floor finish slabs a simpler representation on floor framing plans only. On the architectural floor plans these finishes display as a grid matching the approximate size of the tile. On the structural framing plans, they display as a very light diagonal fill pattern, for legibility purposes. The GO's are also configured to change other (lighter) floor finishes, such as carpet, hardwood & vinyl to empty transparent fills so that they don't appear on the floor framing plans, since these floor finishes don't require such a high deflection criteria (L/480).
iMac 27 (2020) 3.8 GHz Core i7; 128 GB RAM; Radeon Pro 5700 XT 16 GB GPU (macOS Monterey)
ArchiCAD 26/25/24 Full (latest builds). User since AC12 (2008).