” 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”
Obviously. thats why we are talking about aside from these situations
“And I would imagine that everyone has sheilas like this, but they might not realize it.”
you are imagining incorrectly. Yes when a person has a child there may be questions, when someone is in the hospital, getting married shiduchim, and of course r”l aveilus certainly raises many sheilos etc etc. This was pointed out earlier and isnt what we are talking about.
None of those situations applied to me in the past few years