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> While the observations I am about to make likely will be down-voted by some/many in this forum

You are likely to get down voted for this alone but since you are new here, I suggest you read the HN guidelines here: https://news.ycombinator.com/newsguidelines.html

Prefacing a potentially contraversial position is a well established practice to inform a reader that what follows may not be readily accepted.

In retrospect, mentioning down voting was trite. Thank you for being conscientious enough to point this out to me.