You know there is a difference so why are you so hung up on using a perfectly reasonable term to differentiate VRS conditions from SWP conditions?
,... because it isn't a reasonable term to describe it. You are crashing because you were simply too heavy for max power to stop your rate of descent (or in Canada because you waited too long to apply the brakes) not because of some mythical gremlin you want to call Settling with Power.
SWP (the way you use the term) just seems like a cop-out for pilots to blane external forces for why they crashed,...kinda like LTE. "Gee it wasn't my fault your expensive aircraft crashed, it was SWP."
Take responsibility for why YOU crashed their aircraft. "Sorry boss, but I was just too heavy to come in like that".