And the FL200 restriction is going away...

Most people turn the Autopilot on somewhere between 10-20K'. It's almost never turned on down low.

For visuals it's usually off when cleared for it. Pilots using the autopilot on a visual for turning base and final are the rare exception. It's a trait usually reserved to pilots new in the aircraft as that's what they're use to doing in the sim.

-- at least in the CRJ - I've no idea what the 175 crowd does.