To be honest, recently on-chain data tools have been heavily criticized—tag systems are lagging, and they’re prone to misleading people. Some folks almost got burned because of this. So when I play around with lending/borrowing, I never trust a single displayed “health score.” When you’re three steps away from the liquidation red line, my approach is actually pretty old-school: use a calculator to manually work out the collateral ratio, compare it against two or three different data sources at the same time, and also keep a backup wallet with USDT ready so I can top up immediately. I’d rather take a few extra minutes than wait for the tool’s “lag” to panic me once it hits the red line. Also, I’m used to watching gas—during liquidation peaks, if my top-up actions are slow, I can get eaten. Setting slippage in advance is better than slapping my own thigh after the fact.