My other point here is that everyone seems to be saying "SE" simply because they are using specialists, yet I see them posting screenshots or they mention having cottages as well, so at this point the term no longer makes sense to me. If you're financing your SE with cottages...how does this make sense at all to call it a SE?
Depends on the examples/screenshots you're talking about, but personally, I don't see anything odd at all in a SE having one or two pure cottage cities (e.g., the capitol to reap more Bureaucracy benefit, or a money city with a shrine or three and Wall Street).
There's nothing more wrong with that than a CE having a GP farm. Both are completely fine and do not invalidate the fact that the majority of the civ may be running either specialists or cottages, whichever.
Both cottages and specialists should be a part of your Civ Economy. If you want to play a variant and ignore one or the other, fine, but all these CE vs. SE posts are just ridiculous to me. Use them both when and where they make sense.
I agree with your YMMV theme, but disagree that the whole CE / SE talks are nonsense.
Without a doubt, there are civ-wide benefits to be had. e.g., Representation, Printing Press. To get the most bang for the buck, that is, to properly leverage these benefits, it makes perfect sense to have as many specialists as you can, or as many cottages as you can. And so on.
With that thought under our belt, the obvious next step is, "which is better, and when?" If terrain is the deciding factor, then it is extremely useful to know when and how. So that you can tell yourself early in the game, "hey, this terrain will really make a CE rock". Whichever factors into the decision, this is valid strategic knowledge to have in your mental arsenal.
Wodan