If you can give a specific example, we can say which answer is correct.
But in general, I would go with the Safety Sense leaflets.
(And out there in the real world, check your POH to see what, if any, safey factor has already been applied - many manuals don't apply one, and you have to apply it yourself, but in some manuals a safety factor has already been added, and this should be explained in the manual.)
FFF
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