I don't get the issue with having a function button to turn Champs off on quest entry window, it's just a little tick box, not everyone is a dedicated player, a good player base is what keeps the game going for those who have invested years into the TR train, it's nice to have new players sticking around to keep that base at a sustainable level!
Players time and effort investments differ from casual once a month to hardcore hours a day, every day! Having the choice to remove Champs gives the freshest players some time to learn the game, the gear and develop a playstyle of their own! I bet most of these people opposing the idea put forward by the OP where trailing off the apron strings of players like myself and the OP just watching scenery go by while the first few lives were handed to them on a silver platter!
Hardcore and now Cormyr are a good reminder of what it used to be like when you started and even then Vet players know which quests to avoid, what quest gives what gear, what that gear does for your build, how to build, what spells suck no matter what power boost you give them and which ones don't, which quests give the most xp and which are a waste of time, what mobs to expect, what boss to expect and you'd all be lyin if you said you didn't trail and experienced player around the world in your first few lives!
Why is it such an issue for you vets anyway? It won't affect you at all just don't untick the box and you got your champs and reapers!
As for projectile lag if mists are anything to go by in Cormyr projectiles are having some serious issues in the lag department, stick men rapidly shoot projectiles at you, if there is a large spawn like death house, yester hill and wizard of wines as soon as they spawn and start shooting you may as well prepare to meet your maker, you can't move, don't do any damage while they are still damaging you death is imminent i do not recommend mists to players carrying skull lanterns at this point in cormyr you are guaranteed to lose it!
The lag is a bad idea, having the option to switch champs off to give newer player a better chance at surviving for the first few lives while they learn the game is a great idea and I am all for it, it affects no one but the player who switches it off, simply put "no Champs" in lfms so party jpoiners you know you have them switched off much like we did when reapers appeared!