Load mode can be used to play network games with normally unavailable settings
If you use save mode in personalized game to save non-standard corruption, hunger, monster, death, fortunes, balance, or talents settings, the mode can be loaded in network games. Despite these settings not being displayed and not normally being available, they will apply to the network game.
P.S. If this ever gets fixed, please add a personalized monster difficulty setting that's equivalent to playing tough monsters network mode with no friends online.