I think Frances is right, i.e. most non crystallographers ignore
"anything beyond the x, y, z coordinates (i.e. beyond column 54)"
[as Frances wrote].
Thus if a crystallographer put in coords that he/she does NOT see,
even with OCC=0, or an enormously large Bfactor, these coords are usually
treated in just the same way that experimentally observed coords are treated.
Thus my feeling is that if one does NOT see the coords in the electron
density, they should NOT be included, and let someone else try to model
them in, but they should be aware that they are modeling them.
Joel L. Sussman