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Chainplate toggle mismatch
Not trying to start an argument here.....
Answering the first question, bushings over point loading without a doubt. But as you pointed out they would have to be two small bushings on either side of the chainplate with washers on the outside of the assembly all of which can be lost all too easily. Versus taking the incorrect turnbuckle back and getting the right size turnbuckle.
On the subject of stupidity of fellow sailors and riggers. Murphys law seems to run the show and I''ve seen and heard of more than my fare share of just plain stupid things. Some of these go back a few years, but for your amusement.
Daysailer capsized, owner was unable to right the boat, boat was towed in upside down breaking: stays, the mast in half, step of mast, tearing sails.
Wayward sailor attempting to raise mainsail strayed off course and into a day marker. Metal sign part of marker caught shroud of mizzen mast. Mast snapped at spreaders, "hopped" off mast step and began to flail around leaving notable marks in gelcoat and owners ego.
Owner of large sailboat with tall rig picks fight with short bridge. The bridge won.....
and just yesterday.
Man realizes that when he had a "professional" rigging shop install a furler they had apparently forgotten to a) put in a cotter pin at the bottom or b) bend said cotter pin. Result: Clevis eventually worked it''s way out while vessle was under sail. furler, forstay and sail began a rampage of swinging/banging/bending and twisting that took a total of 4 hours for the owner to get under control. Furler was destroyed, sail torn, boat and owner beat to hell.
And my personal favorite because I was on the boat.
Chartered two boats with a group of friends. On their boat was calamity after calamity due to improper or lack of maintenance. On the next to the last day of our week long excursion was a long sail down the bay. 13 kts of breeze on a tight reach, an absolutely beautiful day. The wind shifted slowly throughout the day till it was right on the bow. Wanting to make it to our set anchorage by nightfall we decided it might be a good idea to motor the rest of the way. Cranking up the engine we put her in gear and began to furl the sails. As the boat slowly came to a stop we soon realized there was a problem. A little investigation revealed that the shaft was still spinning, but there wasn''t anything in the water for it to spin. At first this appeared to be a minor setback. Until, as we tacked our way into the anchorage, the wind died. And then of course the coast guard came on the radio advising of a squall line moving south directly towards us with torrential downpours and winds up to 50kts. And half an hour later there it was, an eerie line of nastiness moving right towards us. Taking a moment to review our situation: we have no propeller, no wind (yet), we''re in a narrow channel and there''s a whole lot of wind and rain coming our way. I''m rambling way too much so I''ll just say that we got out of it unscathed and our companions on the other boat ended up towing us in to anchor (the wind died again after the squall past). We were in a potential world of crap all because someone forgot to put a locking pin on the driveshaft.
So to answer your original question, yes, there definitely are people that stupid out there. By taking nothing for granted you remove yourself from a lot of dangerous situations and the blame that can result from creating such situations....