Yay, Mo!
I agree completely, and was pondering a good way to express my opinion on all this, but you nailed it, thereby alleviating me of the pondering. Thanks!

Unfortunately, the need to protect the forum with a disclaimer is, I believe, a step that is necessary.

*Unfortunate that it's necessary, that is; not unfortunate that I believe that it's necessary.

(Great, now I'm succeeding in confusing myself as well as others!)