fi creates embedded subset
When I use the two letters "fi" in that order, when I export PDF, I get embedded subsets. This is on multiple fonts.
if I switch the case of f"I" to fI upper case (EYE), then the embedded subset issue goes away. (the case of the first letter "f" does not matter.
example so words:
first
fit
profit
indentifies

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D Cardillo commented
To illustrate this issue, we have a book text with a block of running copy. All styled the same. All using the Ligatures OpenType feature.
There will be a running block of text all using a fully-embedded font, then it breaks, for one line that is a subset of that same font — then it resumes as fully-embedded after that line. It runs for more lines, until it hits another line where the font is subset, before returning to fully-embedded again.
This is making any process that needs to touch that copy within the PDF generate issues.
Turning off Ligatures in the OT options makes the subsetting issue go away.