I believe that all of the points being mentioned are valid. Myself I don't lock myself into a time cut off. For example yesterday at Parx r1 the winner was off more than 90 but was my #1 pick and won paying $28. Although I can see FTLs point even if you decide to eliminate the horse for win you shouldn't throw him out all together if you are an exacta or tri player. Also I've noticed that turf horses tend to win or place more then dirt horses off of 90 or more day layoffs. I do agree with the 20-1 ml guideline. Oh and I'm in the best of the last 3 dist & surface camp.
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