I made a nasty, scary discovery this morning

Correct. Continuous loads only. In my line of work, we always assume continuous load or worst case scenario regardless if it truly is momentary or continuous, ie. a light vs motor.

The Amazon vendor gave me a refund, after 1y 9m…

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Wow… That is unusual.
I had a device that died after one week and the seller refused to give me more than 50% of the price in refund.

I’d say you should name the seller since this seems to be a good seller.

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