HC
The 'loaded correctly' is a good point as its perfectly possible to drop a performance class (in JAR OPS-3 terms) by poor planning.
PHI managed this with a Bolkow in 2003. A certain customer had wanted PC2 and selected a twin for their contract, yet it was so heavily loaded it drifted down and into the sea after an engine oil seal leaked tiggering an shutdown of one engine i.e. PC3 but twice the chance of a shutdown.
EGPWS has been marketed for the offshore community with stunning disconnection from logic. What next? Will the salesmen have a go at the onshore community and sell floats for flying over the Sahara? The campaign should be for a cheap but effective AVAD on EVERY offshore helicopter NOW!