Very useful info from Jon Slider. I tend to agree with most of what he has to say. I’ve learned a bunch from his posts over the years.
One minor difference between him and me (which we have discussed in pms) is that I go with the photographer’s perspective on what makes neutral white.
Take a look at the image above. If you draw an oval around the white central region, I want to be on the black-body radiation line right in the middle of the white area. Roughly speaking, that puts me somewhere between the dot at 4000K and the dot at 6500K, closer to 5000K than 4000K.