Ozzy, this is the way I do it. If outnumbered 3:1 ratio then I load them if I see I can effectively handle the situation, if not I surrender. Also, if I have died two times in a situation in Sofia for example ( doesn't have to be a red zone ) then I'm coming back with lethals. Feds and Jails are different. If there are 7 or less officers and you have gone through one wave you can load lethals. If there are 7 or more officers then you load lethals after the second corporal wave. I hope I cleared it out for you. Let me know.