My opinion is that because the fear of shchikas samemonim nowadays is virtually nonexistent, it is permissible to be meikel in most situations. On the other hand, for those who require the situation of nafal lemishkav, this does not mean that one has to lie down, but rather that one cannot get up. In the olden days, nafal lemishkav meant that one was bedridden, and not simply felt the need to lie down for a while.
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