I'm late to the conversation, but it looks like you guys gave great advice.
If unsure, the default is always a good place to start. Elevation is taken into account, but the user can set their own percentage based on their set ups, locations, etc. For example, FWH is usually 10% higher than 'boil' hops, but your mileage may vary greatly based on when you actually add the FWH, over a 1 hour fly sparge vs a quick batch sparge, how long it takes to reach a boil and how long it sits at a 'steep' temperature, etc. I chill faster than some, and sometimes I chill slowly while doing a hopstand so it doesn't always stay at 170 degrees- so I can change my utilization based on my experiences. Some people swear they get utilization from dryhops, but I don't think I do. (Hop creep is different but may be part of that).
That said, the default is a great place to start in most cases.