Okay, then it's just a matter of you & I drawing the line in different places, and maybe yours is further out due to less likelihood of dangerous weather condit

Okay, then it's just a matter of you & I drawing the line in different places, and maybe yours is further out due to less likelihood of dangerous weather conditions, or the thrill of potentially having an unscheduled white-water rafting experience through the town, or personal preference. I can see your point about the defaults. Cheers!