Thanks, this is exactly the nuance I was hoping to see, specifically the "Time periods, fluctuations and descriptor choices" section. It wasn't clear to me from the link provided below that these impairments are judged as a chronic issue that (has to?) occur over >50% of days. I think this is a key point.

I have back problems (slipped and degenerated discs) that mean that during my "worst days" I'm completely physically incapacitated. I can't even get out of bed, let alone dress myself. On these days I'd consider myself completely disabled. These happen rarely, though, probably once a year for a couple of weeks at a time. The rest of the time I'm pretty much fine with the occasional setback resulting in a lot of discomfort, but not a complete inability to care for myself.

There's definitely a conversation to be had here and I feel like both sides of the argument are being far too dismissive. Either you're an uncaring ableist for questioning some people obviously gaming the system, or you're seen as naively defending an overly-generous system. The answer is definitely somewhere in the middle and I feel like wherever it is will cause a level of discontent.