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Take Lothario II of Lotharingia in 867. He can create a cadet branch at the start of the game. But if he does he will never be able to divorce from his loathed wife and can no longer ligitimate his bastards.
Many people will tell it is a good decicion to create a cadet branch but in general I found not. The dynastic heritage is exactly the same and If one of your house member refuses your head of dynasty's decision he will automatically create his own cadet branch, so it really makes no difference.
The only thing is you can call allies to war but to be the head of the dynasty you must be so more powerful than them that they are useless. And there are other ways to call allies.
Creating a branch house lets them do something like that within their own houses, making themselves more powerful, while also breaking away from the dynasty head's influence, they can't be called for free and if I'm not mistaken only the house head gets free hooks on everyone born under them, not the dynasty head (unless they are the same person of course)
tl;dr a bit more independence from the main house, but they still count as members of your house and you can still influence them, and get score from their independent realms
there shoudl be some diplomatic possibility to re-attach cadet branch back to main house (like one last member of the house will be adopted back - I solved it now with matrimonial marriage)