High Horse
Aussie Bob, maybe you should read my previous post (#11) in this thread before you offer me advice. NO, I never was an Insurance Salesman. I, in fact, have been involved in the aviation scene since 1958 and have only recently encountered a problem with the issue of my medical certificate, now a Class 2 but previously a Class 1.
As far as picking the worst case scenario I think it should be obvious. How would you feel if one of your mates had a problem, which left untreated or unreported potentially could lead to incapacitation, then took a member of your family flying and did become incapacitated? I suspect you would be very angry.
I too believe the system is faulty and for the same reasons you cite I decided not to spend a heap of money getting specialist oncologist reports which may or may not persuade CASA AVMED that I am fit to fly.
Mikewil, in answer to your question, neither option you put forward would be acceptable to me, either in sensibility or safety.
Creampuff, as I stated in my original post I am not prepared to go to the expense involved in meeting CASA's demands, so in my case they are the final arbiter. First hand knowledge of the run around a couple of friends of similar age to me have had, and the infrequent flying I normally do, I will just stay grounded.