We have a non-salt pool, we also do not have a SWCG. The UV index for Maryland is about 7.5-8.5. As a comparison point, the midwestern states and Texas are usually about 10-12. Arizona, which you referenced in your post, is about 11-13.
With this knowledge, do you think a CYA level of 90 is too high? What would you aim for as an estimate, given the UV index in Maryland?
Also, when you say perhaps higher for more intense regions, how much higher would you recommend? I am not in Arizona but I am curious at this point regarding CYA levels for somewhere with intense sunlight such as Arizona.