It seems to me that it would always be easier to embed the pck to avoid losing it or having to keep it in the same directory (especially if you're distributing a game through itch or somewhere the user gets the exe directly). What are some reasons someone might choose not to embed the pck? Thanks!
You almost never want to embed the pck. Because it breaks updating systems on Itch and Steam. So if you release a new version with a 1MB texture change, the users will need to download the entire 1GB exe, rather than just a 1MB patch.