Several options in the COCKPIT section of the book allow you to get luggage.
They are not linked to the weight value you will choose in MSFS settings.
You can protect the pilots with an optional bagage net available in the same section.
Bagages can be unloaded if you are on ground and not moving. They will load automatically if you move.
Pilots can be shown or hidden: you can assign them a weight other than zero to make them visible in the exterior view. Only the co-pilot will be visible in the interior view.
The characters are the default ones (MSFS 2020).