I dislike the fact that many players tend to think highly of themselves and rate themselves too highly. I had a coach who played someone that just moved from New York claiming he was a 4.0 and then my coach clobbered him believing that he was probably more close to 2.5-3.0. I also discovered that if you are say, a 4.0 in New York, if you move down here your rating will drop. IMO, it is probably a fact that the best players live in the south since they get to play year-round, unlike the northern states. I was evaluated here in Florida and was rated as a 3.0, on a pretty horrible day, and possibly a 3.5 or better, when I'm playing my best.