>>> ANY time you change a single setting, you have overwritten your preferred setting for that mode. That's right. Want to switch from birds in flight to shoot a stationary bird at 1/350s? Well you have now PERMANENTLY changed your wildlife setting from 1/2500 to 1/350, whether you wanted to or not!
^^^ This is not "permanent." Simply use Load Banks to get your original settings back (provided you saved your banks to the card earlier). This is three clicks if you put it at the top of My Menu.
Well, of course you haven't permanently altered your camera. You are free to change the setting again in the future. The problem is it overwrites your preset. If you want a wildlife shutter speed of 1/2500 / sec, you better hope that's all you will shoot that day, because the moment you alter your shutter speed at all (even, let's say, to 1/2000 because you have a slightly larger bird come in to view, like a stork, where you don't need the extra 1/2500 speed) your camera now overwrites your preferred preset and "saves" 1/2000 as your new wildlife setting. That, by far, is the biggest issue with Nikon's banks, and why I will never use them. The fact that you can do some housekeeping like loading files to reset your preset at the end of every shoot (or in the middle of a shoot I guess?!?) is not something I'm willing to deal with (Particularly with the mental keeping track of "Oh I changed a setting and now need to reload my banks or they will not be accurate" in the middle of a shoot! and it's just not simpler than my current system of manually changing things).
The RSF Hold setting is exactly what I want (and how ALL other camera preset systems that I have seen function), and I use it ALL the time. The only issue is that there is only one RSF Hold (ON or OFF) so it works, but only in a limited scenario (I have it set for action, so that when shooting at, say, 1/250 and f/8, if I suddenly see some action or a bird in flight, I can hit RSF using one button and quickly capture the action. Then I can go right back to my 1/250 shutter speed with another button press. THIS is how essentially ALL preset systems work, across all camera systems except Nikon's flagships.
I know, no matter what, when I hit that RSF Hold button, I am getting 1/2500/sec and maximum aperture, with multiple shot release and AF 3D tracking, period. No matter what I was shooting earlier. No matter what I intentionally or unintentionally "saved." No matter whether I remembered to "load" some file that morning. No matter whether the setting I wanted was in a "custom" bank or a "shooting" bank. The settings are recalled, instantly.
It. Just. Works.
If I'm in the field, where I am constantly changing my settings around, and I shoot an action shot and want to return to 1/250 shutter speed, but can't without first "loading a file from my memory card" (because , say, I wanted to take ONE shot at 1/800 a few minutes ago which overwrote my settings), then that is a problem (and it will be faster to just manually change my shutter speed!)
I've been to Japan and can't say I fully understand their culture, but it is, akin to Germany, a logical, ordered society. I really struggle to understand how such a convoluted system could have been invented by Japanese engineers...
I've watched all the videos on this and Henry Hudson's was... sort of ok, but this was much better. For me banks are of zero use until they fix the problems of A) overwrite and B) dual "shooting" and "custom" banks that both must be recalled, but if you want to try to find a use case for banks, this is by far the best video.