Eloquently put, AS.
What rightly gets up people’s noses is when someone goes beyond speculation and categorically apportions blame. On a public forum there are inevitably going to be people like that and you just have to accept that opinionatedness is usually in inverse proportion to knowledge.
Accident investigation is not conducted by mindless robots; a large part of their job is speculation and lateral thinking. So Flying Bean’s comment about the wealth of information that appeared on the subject of light twins and baggage doors in a thread about an Aztec accident is apropos. I would think, sorry, speculate, that a Pprune thread about a specific accident would be well monitored by an investigation team for sparks of insight.