Some Interference/Obstruction opinions please

[sp279]

For years now, every year we seem to have this debate. Referring to NFHS fastpitch here. You've all probably answered this 100's of times, but I just re-joined after a few years.
I've always tried to simplify a play at the plate. Catcher has the ball, she has a right to the basepath and the tag out on a runner coming home. Some argue it is interference on the runner if the ball is coming into the catcher but not yet in her glove and the runner makes contact. Some still call interference if the ball is 10 feet away "Because the catcher was about to make a play". Some don't call interference (myself included) if the catcher doesn't have the ball and the runner makes contact. Likewise, if the catcher without the ball is blocking the base path without the ball I call obstruction. Can I hear some of your opinions on how you handle these situations?
Thank you