Wayne, you're probably right. That certainly represents the conventional wisdom. I wonder if there is any specific history that led to this seemingly universal view, or whether it is the result of collective (and in my view, overly conservative) prudence. I wonder what the insurance folks say.
I'm probably fighting a loosing battle for coal stoves, but when I think of all the potential hazards on a steam powered mountain tourist railroad, somehow coal stoves don't jump out at me as where I would start worrying. Assuming they are only used occasionally. You know, taken to the extreme, your argument could suggest we should turn the railroad into a scenic bus trail. Shoot the lawyers and gimme coal stoves.
Now not only do I have to worry about the damn putt, putt on the train (I'll hear it because I'll be listening), but I have to worry about that beautiful redwood tree in my yard disappearring some dark night.