I'm fully with Robert on this one. Most mid-range RC gear do allow to setup a throttle cut / motor idle switch. And we'll certainly have CH7 / CH8 motor cut for version 3.1. So every users should be able to find the best setup through those two solutions with a preference for the CH7/CH8 motor cut that will work with all flight modes.
If some users want to do it the unsafe way, cutting motors with throttle low then it's always possible to give them a parameter to do it. But obviously it's not a safe solution.
Technically i think that we must not allow that because we are dealing with ESCs and BackEMF sensing brushless motors. This mean that synching can be done reliably only when the motor has enough rotationnal speed. To start the motor, the ESC need a special slow start sequence without backEMF sensing, If a user put the throttle low in a panic, this is cutting the motor, and it is very possible that he could rise again the throttle still in panic, asking to the ESCs to resynch during a period where the motor is rotating very slow (without BackEMF sensing), but not fully stopped.
In this case, the ESC will send the motor start sequence, but the motor is not fully stopped. This can create a phase conflict and the associated motor freeze. This is worst if the motor is spinning in the reverse direction because of autorotation after a copter drop.
Some ESCs are more tolerant, other ones are very intolerant to this problems, and high performances firmwares like SimonK are well known for resynchronizing problems. But only ESC with coder inputs are fully blind to this problem. And we don't have that on copters.
I feel that many crashes have been induced by this specially with beginners that can panic very fast and do not have a great control of RC sticks specially for the throttle one. More Arducopter must deal with and help a lot of beginners.
For this reason i think that it's better to never allow stopping motors with throttle low. This gives an imaginary feeling of safety, not more and can create more trouble than save situations.
The true safety is a red (yes really it must be red using a red shrinking tube) button on your RC transmittter that will cut motors regardless the mode. I did it like this since my first APM 1.4 after thinking a lot about this problem and i will never change that.
More, because the motor cut switch (CH7 or RC throttle cut) will have priority when flying with two RC radio in teacher / student mode, it is really easy to cut motors if something goes very wrong without even taking back control with the RC student witch.
Speaking about safety, it's a good idea to put shrinking tubes of different colors on transmitter switches, to allow for direct visual recognition of switch functions.
For example i'm using those colors :
Red : motor cut
Yellow : RTL
White : Simple mode
Blue : Alt_Hold mode
Green : Auto mode
No Color : Pos_Old and Loiter modes (3 positions switch)
As a general rule it's better to use one switch for one function. This is easier to memorize. This is doable using flight conditions using a Gyro channel for CH5, something available on mid range RC systems. And still put RTL as the top priority flight condition.
Olivier