...and also, the pre-defined composites in your country-specific default template come from your regional distributor. In the US, these predefined attributes are often not applicable to real work and are just examples.
For residential, I most often model the ceiling/floor assembly as a single composite. But, sometimes this is not desirable. Erika gave some examples. Another is where you use massing for preliminary design, and yet want to model floor structure (joists/beams) for construction documents. If you use a single composite, then if you reduce it to either ceiling gyp, or to subfloor/floor finish - then the rest has to be modeled again anyway. But, if the ceiling was modeled separate from the floor, then just the floor composite changes - and the structure, MEP, etc is inserted in the void during the design development phase (with the ceiling assembly perhaps shifting up/down based on final floor structure engineering).
Cheers,
Karl
One of the forum moderators
AC 28 USA and earlier • macOS Sonoma 14.7.1, MacBook Pro M2 Max 12CPU/30GPU cores, 32GB