I am 110% certain that if I saw a plane on fire in the sky, I would not have the presence of mind to remember the term "cloud deck", let alone the rest of those details.
Ground observer: "Good sir, I do say that the cloud deck was quite low so I didn't get a good look, but the engine was mildly louder than usual, and possibly had smoke, but perhaps not, and appeared to be under control the whole time."
Me, probably: "AAAAAAAAAAAAA PLANE ON FIRE IN THE SKY, RUN!!!"