Great points, Karl, although I was a little worried about where you were going when you started saying, "...we don't all have the same hole placement..."
I NEVER have my scopes mounted or bore-sighted at a gun shop; I don't trust them. I've seen new scopes badly damaged - crushed tubes - by so-called mounting experts. Plus, I feel that's something every shooter should learn how to do.
Your comment about bulky clothes is right-on, too. That can really "increase" your LOP to a dysfunctional lenghth.