@mzokk On the XT/XT3, I have recalculation set to prompted and almost always select NO at decision time. Like with @steve-jarrell, I prefer to manually manage my own off-route scenarios. In experimenting with XT off-route recalculation ON, I haven't encountered anything fatal other that it tries to get you back to the exact point where the off-route began to start with. Where 1.2 does become a problem is where you modify your route with adding another Via Point using either the Search function or Up Ahead. That's easily remedied by instead starting a new route through Seach/Up-Ahead and then restarting your main route with "Closest Entry Point" after reaching the Seach/Up-Ahead destination. I've experimented with this probably a dozen times under slightly different scenarios, and it consistently works.
I understand that you have a different view of things with your route planning to accommodate optional loops and other anomalies. That's cool. But off-route recalculation with 1.2 does work if you understand how it works and the specific scenarios to avoid.