My point Tom, respectfully also, is simply that it is a choice.
Yes it is a question of what qualities we need to do our job. It is also a question of materials that we choose and as you point out subject matter.
If our subject matter is reportage and we expose to peg the midtones we can have a "fine" negative over a fairly wide placement range on many films.
Landscapers and fine art shooters typically have a different definition of fine. People shooting Pan F have a different view than those shooting TX.
I have done the 3000 shot weekends covering weddings and I still belive that in all cases, getting a "fine" negative is our choice.
Simply put, will we do what it takes or take what we get?