Ubiquitin – as I previously pointed out, there are different kinds of questions – some are the more “regular” type that come up daily, and some are what you are calling “uncommon lifestyle events”.
These are the sheilahs that I happened to have, but other people would have other (uncommon lifestyle event) sheilahs. It’s davka these types of sheilahs that everyone has to ask, since they do not come up on a regular basis and are situation-specific so even if someone is well-versed in halacha, they would probably still have to ask. And I would imagine that everyone has sheilas like this, but they might not realize it.
As for day-day sheilahs, anyone who posts in the CR should have sheilas regarding hilchos L”H a minimum of once a week, if not once a day, whether regarding their own posts or someone else’s.