A linen bonnet I think . . .

"I'm suggesting that what is in short supply in our understand of 'folk', be it song, music, tale, lore, custom, is information from the horse's mouth "

But is in short supply or are we so surrounded by it we don't even notice we are part of it? I'm sure there is extant folklore about local areas; I can certainly think of several instances of that (especially when I was at school - I wonder if those stories are recited now?), and if we're lucky we might know some snippets of song and superstition our grandparents told us.

Urban myths are certainly a sort of folklore, and so is much Forteana in my opinion.