You are discussing two completely different issues:
- The Fenix installer reporting a small update if you enabled Seated Passengers. That's of course a Fenix installer issue, that is considering as an "update" any smallest modification to any file in the airplane, which of course is the only way to enable seated passengers. So, just ignore the update, because if you do, the "update" will restore the airplane model files to their original status, without seated passengers.
- Stuttering with Seated passengers enabled. Seated passengers are surely not free, especially if you have the cockpit door opened. However, I don't see much impact with the cockpit door opened.
However, while in versions until SU3, the impact of seated passengers not visible (cockpit door closed) was ZERO, in SU3 what was clearly a bug has been introduced that resulted in a very bad fps impact. This improved quite a bit with SU4, however it seem the impact of invisible passengers is still not *exactly* zero as it was until up to SU2 (and still is in MSFS 2020).
You must understand that, Seated Passengers are NOT controlled by GSX. There's no code "running" them: they are part of the airplane and, other than setting the variables to turn them on/off (because their seat is empty/occupied or the cockpit door is closed), GSX has no control over them, and it's up to the sim to do its job of properly optimize objects that are not visible. Other than making all passengers extremely well optimized and with multiple LOD levels (and we surely do), there's not much we can do to control this.
Note that, as with EVERYTHING in the sim, there's NO single thing the "cause" performance problems. Your final performance is always a SUM of *everything* and, the performance effect of some function is NOT linear. If your settings are close to the maximum your hardware can handle, you might be fine, but then see a dramatic drop if you just add something else that would cross the threshold between being fine or not.
So, in the end, it's just a matter of what it's more important to you, and that's why Seated Passengers not only are optional, their are not even enabled by default, on any airplane.