The actually experienced IFR/CFR depends on availability and quality of medical care, right? I don't have a cite, but I feel like I remember people suggesting

The actually experienced IFR/CFR depends on availability and quality of medical care, right? I don't have a cite, but I feel like I remember people suggesting (whether based on something other than their imagination I don't recall) up to 5% IFR if no medical care was received, perhaps because medical system had collapsed under demand? But in general of course what you say seems right, and I appreciate your well-informed discussion contribution, thanks.