Why are we reluctant to call Ts?

[Nonstop]

I am young official that has moved up to the varsity level this season. I admit there are some situations I have a very difficult time determining when it is appropriate to call a T. Usually, this is the constant chirping that reaches yelling towards the end of the game. i.e., when the coach is in your ear multiple trips down the floor, but not acting outrageous.

I am not afraid to address a coach with a T during a sub-varsity game, but I get a little gun-shy during varsity games (less than ten under my belt). The importance placed on a T by the State and local commissioner is elevated at the varsity level (paperwork, phone calls, explanations etc.).

The simplified criteria I try to follow are: 1)Is the coach doing something inappropriate?, and 2)Is the coach taking me out of my game? If either of these criteria are met then I feel justified.

Can anyone else share their philosophy or lessons learned?