Fix a field $K$ and consider a family of nonsingular projective curves $X\to S$ over an irreducible scheme $S$. Suppose that $\eta$ is the generic point of $S$, then the generic fiber of the family is the curve $X_s\to K(S)$ obtained by base change.
Now consider a concrete example, but not in the category of schemes. We work with "equations" in the category of classical algebraic varieties.
Let $$X: aX^2+bYZ=0\quad a,b\in K$$
$$S=\mathbb A^2_K$$
Then $X$ is a family of plane projective curves over $\mathbb A^2_K$ parameterized by $a$ and $b$ which can be seen as a morphism:
$$X\subset \mathbb P_K^4\to\mathbb A^2_K$$ $$[a:b:x:y:z]\to (a,b)$$
Now: can I see the generic fibre of this map from the equations? Usually books says that the generic fibre is the curve defined over the field $K(a,b)$ by the same equations of $X$. So $$X_\eta: aX^2+bYZ=0\quad a,b\in K(a,b)\,.$$ This makes perfectly intuitive sense because we have a curve over $K(S)$ as we require in the category of schemes. The problem is that in the passage from the category of schemes to the category of varieties, we recall only the closed points of objects, so things like generic fibers shouldn't have any geometric naive sense.
Here my question: In presence of any family of curves, why do we take the generic fibre as explained before (we take the same equations but in another field)? What is the formal explanation of this fact?