I am a lowely PPL, with MEIR and around 200 hours and have greatly enjoyed reading this post and benefiting from the experience of other peoples' hairy situations described within the thread.
It is interesting always to see certain people trying to snipe down what was a bloody interesting thread opener in true British aviator arrogance.
I have flown in the US and UK and there is a distinct difference in mentality between US pilots/instructors and UK Pilots/instructors. UK there is ingrained arrogance amongst FTOs towards students whereby, we are pretty much lucky to learn and throw good money at schools. US, instructors generally love flying, thats why we all do it and often want to enthuse students with trying manouvers and situations you might otherwise not.
Thankyou chuck for posting and dont feel the need to defend yourself against likes of Airborne Artist, leave him to play with his animals in the cellar.
I often wonder about an engine failiuyr at low level and whether or not to apply flap as a matter of course if landing ahead. Things like those stories above, i can imagine vividly and when/if they happen to me, my reaction will hopefully have benefited from that.