I'm probably going to leave the auto-election for STD and LTD-A alone and go with that until my sick bank is built back up. I had to burn my sick to zero recently along with backing off on work so at least in the short term having both STD and LTD will sweeten the pot enough to make up for that. I'm even considering LTD-B for a year because I didn't fly nearly as much over the last 15 months as I "usually" do so right now my LOL 50% would be a lot thinner than typical. Once I get back into a more normal routine (100-110 TFP average for me) then it'll make more sense to back off on LTD to A or drop it entirely, and then when my sick balance is reasonable (300ish is my starting goal) I'll likely drop STD too.

An FO who is close to upgrade might also consider STD/LTD until establishing a year's pay history at CA rates.