I align with what Rob and SLG state: that different levels exist for different people, and that I have no interest in judging people or playing the "My NPE is way more NP that your NPE" game.
I think it's perfectly valid for one guy to set the threshold at "job loss" where another might set it at "beheading." I realize that covers a huge spectrum, and therefore makes the term slightly less useful than if it had a hard definition. But I still think it's a useful term for narrowing down the discussion... the same way we might all have different definitions of a "trunk gun," but at least it gets us closer to a better-defined discussion.