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I can't choose how hot the day is...but I can choose on cold days not to make the plane act like it's high, hot, and heavy..I can also choose on hot days to take less fuel but fly higher, up to FL450...which can mitigate the effects of even a hot day...
My risk exposure over a year and appr. 500 flights is much less the way I do it, vs the flight dept that doesnt..
End result in laymans terms: If I don't fly it to the fence on every flight then I have a better chance of not rolling it up should some failure or issue occur...