[d1sxeyes]

That’s quite a specific example with potentially disastrous effects if you’re misunderstood (what if you haven’t cancelled your cards?!), but you’re right, I’m just painting broad strokes as to what is more likely, rather than strict rules. Whatever strict rules you try to apply in linguistics collapse when you look at real people using the language!

The ‘repeated occasions’ is a different use case - I don’t think anyone would infer you’re troubled by a lack of passport, but they might infer that you’re troubled by a tendency to mislay things!