The load factor just boils down to how likely you are to have collisions, and has more to do with your data that you plan on storing. I don't see how that's relevant since it's arbitrary in a generic case like this. You can't talk about the performance of the load factor if you don't have an data set to talk about to.
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Now you're not even making sense. We may need to duel to the death. Did you bring your axe?
When in doubt, be swank. It helps divert the attention of fools. You should mention a meme so we can watch the jackanapes go haring off after another internet meme.
As for me, I don't believe you know, which is saying something considering you're the one that gave the advice I took issue with in the first place. It's also the danger, front and center. This is stuff you should understand cold.
So while it's easy try and defend yourself with witticisms, that ignorance is indefensible.
Believes the individuals who report to moderators wish they had more control than they do.