My guess (really WAG) is that F&G and the court maintained the whole pile of contributing factors so as not to set a precedent one way or the other on any single factor or lesser combination of them.
I agree the court had indicated their decision was based on a
combination of contributing factors. However, I can't help but feel that they may not have given equal weighting to each factor.
For example, assume all the same conditions (flat-land training, bad back, meds, nasty weather, etc) but he broke his "real" hip. Would they still conclude he was "negligent"?
If NO, then a pre-existing medical condition
is a heavily-weighted factor.
Hikers with a pre-existing medical condition ought to take notice. If your condition immobilizes you, you're at higher risk of being judged "negligent".
If YES, then a pre-existing medical condition
does not tip the scales.
However, the combination of factors are common to many middle-aged weekend-warriors and they ought to take notice. Training outside the mountains (if you train at all), that half-century-old achy back, the meds you take for <insert middle-aged affliction here>, and your choice to hike in a storm, all conspire to classify you as "negligent".
More Extra for Experts
Assume the same conditions except it was a war vet whose prosthetic leg (having a history of mechanical issues) broke. How now, brown court?