No problem, Jim.
We can agree to disagree.
I wasn't suggesting that everyone had a totally different set of folklore beliefs/practices, on the contrary each person will have a great deal in common with those people around them. As far as I am concerned all of their learned actions and thoughts are part of their personal folklore, as opposed to, for example, any new things they try or random thoughts they have.

What I understand of what Suibhne is saying I agree with.
I find your definition far too restrictive and narrow, but hey that's what makes it fun.