If I get bananas in my stout, fat tire, or scottish .... I'll GO bananas. Those first two are sitting comfortably in a fridge in the garage at a healthy 65-70 degrees, and the scottish will take the place of the stout once I bottle it.
No more "hell.. I'll just go for it.. it's only a few degrees above ideal temp in the house... what could happen?" for me.