Actually had renewed interest in this topic when I got my first life insurance policy. In the middle of all these medical questions is something like, "in the last 12 months, have you participated in mountaineering or rock climbing?"
Sadly, I was ok on the rock climbing part (been a busy year), but I asked what they considered mountaineering, not really knowing myself. The questioner is a total urbanite, tells me, "Oh hiking is fine, but have you been doing mountaineering?" He can tell I'm stumbling, knowing what the less expensive answer is . . . but I'm a nerd and want to be right! But . . . what is the question? I figured SOMEONE at that big actuarial firm has mountaineering experience, per se, and maybe that policy writer could define it, but I bet they would be as uncomfortable doing so as everyone here.
In the end, I said "no."