Let's be honest, a likely scenario (especially with newer guys) is that no matter where it occured, they forget to bag it. I want it to become instinctive for my crew to get a bag onto the spot for any fumble they see.
So I say bag 'em all. The last thing I would want a member of my crew to be doing was thinking "Mmm, where did that occur? Do I need to bag it or not?". Bag it and continue officiating.
At the end of the day you'll end the down by picking up your bag and putting it back in your belt. It won't kill you to pick it up one more time than was strictly necessary, whereas it might leave you with egg on your face if you miss bagging a fumble that needed it.
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Sorry Death, you lose.... It was Professor Plum!
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