Yes, Drew... that’s absolutely right. Needs vary. And I’d concur that most of us are in that middle ground.
For me, I’m okay with the 1/3 stop error that most mechanical shutter manufacturers accepted. But I’m at the lower end of the middle in that I like well-maintained shutters but don’t bother with shutter testing. I process per Ilford procedures and standards. If a neg starts looking wonky I try to figure out why. At this point I photograph for pleasure with an emphasis on content and composition. But the that’s just me...
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