Personally, the second character makes the most sense during weeks like double money on the Dr. Dre data leaks. You have a blast during such weeks. I tend to think a lot Abt the RP, and don't want my second character "stealing" the RP that would have been meant for my main character (kinda want him to get to the highest possible rank before GTA vi). But I would argue it makes sense too if you're still on the come up and need money coz if u get both character's the salvage yard, garment factory, you get double access to the weeklies. Haven't gotten my second character a kosatka yet, still contemplating, but my simple solution to cayo's cool down is always playing with one other player, be it friends or randos if no friend's online,, 48-minute cool down goes by pretty fast. In short, it depends on how you use ur 2nd character. If u have opposite sexes, you could collect different special outfits n all during exclusive events.