That was a good write up Chris and it's timely because my brother Yellowbelly and I were just discussing this very issue over a few beers in the hangar.
The 'off airport' activity is very much like float plane activity in that you are landing in a place that might be completely undocumented. Granted, many places that are designated strips might not be well maintained (or maintained at all) but there is at least some amount of information available. The problem with the 'off airport' moniker is that well, it could be anywhere. This is the problem with seaplane ops, and the insurance issue. You can presumably land a floatplane anywhere on a body of water so that leads people into all sorts of trouble because they go into places for which there is no information. There could be underwater barbed wire fences or anything that you just wouldn't know about.
Hell, in some places there might be unexploded ordinance and a sign down on the road two miles away warning you. There could be anything.
I'm not bringing this up to make everyone paranoid but - from an insurance perspective these 'off airport' activities do generate a higher risk and a higher accident rate. This translates to everyone's pocket who happens to be insuring a Maule or a Supercub or, in fact, any taildragger, weather they participate in 'off airport' activity or not. In my opinion the higher incident rates of conventional gear aircraft isn't because of the configuration, it's because of the type of use they encounter.
I guess that what I'm trying to say is that the bad rap that taildraggers have is really overblown and maybe a bit unjustified. I mean really, they aren't THAT bad!
I mean, the only reason they still exist is because we love 'em so much
