在Java中,何时应该创建一个已检查的异常,何时应该是运行时异常？

import java.io.File;
import java.io.FileNotFoundException;
import java.io.IOException;

public class CheckedExceptionExample {
    public static void main(String[] args) {
        try {
            File file = new File("non_existent_file.txt");
            processFile(file);
        } catch (FileNotFoundException e) {
            System.out.println("File not found: " + e.getMessage());
        }
    }

    public static void processFile(File file) throws FileNotFoundException {
        // Some file processing logic
    }
}

public class RuntimeExceptionExample {
    public static void main(String[] args) {
        int[] arr = new int[3];
        arr[3] = 10; // This will throw ArrayIndexOutOfBoundsException
    }
}