I guess my experience is different than everyone else's.
I play with some guys who don't have a great deal of talent in throwing discs. They are adults, not kids, and don't particularly care to try to match some other powerhouse guy's throw. Actually, they know that they can't.
Their inclination is to always bag discs that are pretty understable, because they have been embarrassed by countless throws that have hyzered out far short of their other card mates.
They throw understable discs to a fault, in situations where I can see immediately that a more stable disc would be a better choice. Situations such as a wide open shot, but with some headwind, where they are reaching for their super beat MVP Relay or Lat64 Diamond. Given the conditions, I think, "that is going to flip over on you...again." But, they fall back on the understable discs, I suppose because they cannot resist the idea of that little bit of extra flip up distance.
It has become a rut for them. Those understable discs are training wheels that they do not want to remove, because they fear that their throw will be inadequate.