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Don,
You usually won't see it in league play. Mostly in tournament play. Younger divisions don't seem to use it as much.
Don't try to make it too hard - it really isn't that confusing. (Easy for me to say now that I feel I understand the rule) Now that you have Steve's explanation from Joel's website, you have the best tool to use. Be sure to pack a copy in your bag.
Sooo, the answer to your question is "somewhere just below A" in tournament play. I'll even volunteer to work with you! Once you see it in proper application you'll feel comfortable with it.
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