I never said anything about debating things with your GM: if the player thinks the player might be wrong, it's Tier Four, and Tier Three overrules it. No debate.
If, however, you're obviously dealing with Tier Two, and the GM stubbornly shuts them down anyway, it'll be a lot more harmful for the group dynamic than if the GM decides to trust the player and it turns out the player is wrong later. The whole "one tier will turn vicious, while the other will be friendly" thing can easily swing the other way. And I, for one, would not feel comfortable in a group where saying "actually, I think it's X, because..." isn't allowed out of fear that it'll lead to a debate. If the GM is wrong, you should be allowed to tell them, especially if their mistake might have a serious effect on the outcome.
Honestly, it's a full-scale spectrum, with the ideal place in the middle, but your posts sound like you think the vast majority of events will fall on the rules-lawyering-players side, while I fear the GM-is-a-dictator side.