I have just resolved never to read another thread with the word "Folk" in the title.
IMO, if a person takes 8 paragraphs to frame the question, an answer is not really being sought. Rather, a platform for defining the pseudo-questioner's ideas, and in the process closing out a few options, as the Snail already observed.
I could just have said, "TLDR" and left it at that. Why didn't I?
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sj