Asking for an explanation before offering that evaluation of a comment never hurts much as being in a difficult situation and taking that extra few seconds to fully consider all of the options can lead to a better outcome.
Along the lines of Megan's experience.....I can recall a situation that involved multiple emergency procedures compounded by an honest to goodness Cockpit fire.....where we coped with the situation as a Crew and never once referred to a Check List.
Sometimes One puts down the Etched Stone Tablet and simply does what is required.