JumpingJimmy - please read billvon's post again, specifically the beer drinking analogy in relation to your last post.
Dude I'm even greener than you so feel free ignore me but if I were you I'd re-read ALL THE POSTS in this thread from canopy pilots way more experienced than you or I...
Whatever your skill level, surely flying a high wing loading increases risk? Barring acts of god, it's your experience that determines the outcome of an incident... I seem to be paraphrasing billvon again, so ignore me, scroll up, read his post again.
I also would of thought that canopy manufacturers pretty much cover themselves as do all skydiving equipment manufacters with statements something like 'parachuting is a sport that carries risk of serious injury or death blah blah blah..' , maunfacturers wingloading reccomendations are, I think, just that.
Hope I meet you safe and well one day...
Sam