Statistics is like that.

A lot of this "discussion" reminds me of people "doing their own research" without understanding the underlying data, kind of like people arguing over the efficacy of medicines based on what they found on the internet. I'd be more interested in reading what an actuary would say, after we get a consensus on what questions need to be asked -- something a real actuary could probably help formulate and refine. And the actuary would likely have access to the information needed to answer that question(s).