Actually, an awful lot of the confusion is caused by reading manuals.
Most, if not all, manuals have "disclaimers" or "instructions" that say something like "Follow ALL load data EXACTLY! Do not substitute components!"
What then, do we expect from the poor Newb who's (righteously) afraid of blowing off his hand but realizes that the components that he can find recommended here, there and everywhere DON'T MATCH any of his DO NOT SUBSTITUTE load data?
Teach the poor Newb. The load manuals are sometimes not helpful or just plain wrong/silly. We can teach them here, in minutes, what might have taken them years to understand just a couple decades ago, because they would have had to figure it out on their own or hope for a local mentor.