,8,1 was for loading stuff from disks IIRC.
the ,1 meant load this file to it's defined start address, which was held in the first 2 bytes of the file. It could be omitted in most cases.
All of which had the result of "tricking" the interpreter into handing control directly over to the loaded program instead of returning to the command prompt.
From http://en.wikipedia.org/wiki/Commodore_DOS
You are right in that auto loaders can be created using this method, but the ,1 means, load this file to the memory location specified by the first 2 bytes of the file.