I still don't get it. It's only an oc if you make it yourself. I don't make any because i hate them, they're generally god-modded, and an all over sue, messing with the story line. I like cannon things. And stuff that doesn't alter the main story line whatsoever. Aka why I just write. Reader inserts are harmless one shots for a "what if" situation. Because in the end, nothing is messed with but a relationship.
I'm kinda confused on that aspect. Cause its not mine.