The one that a lot of people seem to neglect is that the factors change. This can be slow or abrupt and often or rare. It happens and learning to recognize(the hard part) and then adapt can lead to better outcomes. Waiting for a MD/Nurse to suggest changes is often too long.
Indeed. The weather, (lack of) sleep, stress, mood, etc. All can have a big influence on the rates and factors.
For me, for example, summer is entirely different from winter (and spring and autumn). if everything else would remain the exact same, then still I'd have to switch rates at least twice a year because in summer my body works different. apparently.