Whether it's a rule clarification/modification or a single card clarification/erratum, this is all "Unofficial", but will still benefit the LOTR TCG community. The key is to figure which option is the best way to clarify each issue we come across.
For clarifying when cards are allowed to be played out of phase, I think, would best be handled by rule clarification. It's a general issue that affects many cards.
For an issue like "the wording on this particular card is not clear", I think, would best be handled with an individual card clarification.
For the issue with
Whisper in the Dark, modifying the rule to say "Followers can't bear other cards, except conditions." would still currently only affect a single card, so it's really the same "amount" of change to the current game as the other two options. But, what it also does is leave the door open for other conditions that can be borne by Followers to be created in the future (perhaps PC someday makes some v-cards, who knows). So by trying to be forward-thinking about this particular issue, I was looking at it as a general issue, not just the issue of a single card.