Interesting topic -- maybe just the fact that we're talking about it will produce desirable results for all, without reliving the past. As a "newer" paddler and member I've decided to "put myself out there" more this year.
Assessing your own skills, conditions, required gear/dress, and then matching them to the actual trip can be challenging for beginning paddlers moving into intermediate. I err on the side of safety, so I'm not in my boat as much as I'd like to be.
I also must say there HAVE been wonderful opportunities for 2 and 2+ trips initiated by NSPN L3 and L4 paddlers. Thank you! I went on a couple of these trips last year and the memories still bring a smile to my face. I'm a better paddler for the experience, AND we all had a great time too. It's great to put lakeside skill sessions to practical use.
Likewise, there should be no shame in wanting to do an L3/L4 trip. Let's just initiate posts accurately, be frank and open in our communication, and paddle!