What is really happening
D-region absorption, atmospheric noise, transmitter power, antenna efficiency, mode bandwidth, and required reliability all influence it. Unlike MUF, it is strongly service- and station-dependent.
Do not confuse it with this
Treating LUF as a hard ionospheric reflection cutoff ignores that a narrow digital signal may work where wide voice does not, or that added power changes the planning threshold.
Use it deliberately
Estimate the complete link and noise environment, compare modes and bandwidths, inspect absorption, test the lower band, and move upward if noise and loss overwhelm the required reliability.
Operating shorthand and propagation models are tools for making a better decision, not proof of a path, contact, or safety condition. Confirm with current rules, measured signals, weather, and the complete station.