What is really happening
The useful precision depends on the contact: city and state may suit voice, a grid locator may suit VHF or digital operation, and emergency traffic may require an exact authorized location.
Do not confuse it with this
Publishing a home address when only a general location is needed creates unnecessary privacy and security risk.
Use it deliberately
Give the least precise location that satisfies the exchange, use the required grid or jurisdiction format, verify spelling, and protect personal information on public channels.
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.