Please understand me, Greg, when I sought to make a distinction between between song choruses and ballad refrains I wasn't seeking to lay down any rules (remember that 'folk policemen' have no way of enforcing their rules - so aspiring to be a folk policeman is futile). Nevertheless, for almost all of the time during which I have been interested in folk music, I have been a member of clubs in which critical thinking has been central - and discussing such distinctions is as natural as breathing. You may think that such discussions are dull, or nerdy or silly or whatever but I beg to differ. I have usually found that people who are prepared to discuss such things (even though they may not agree with each other) often end up as better singers.