My primary point here is that if you see an ammonia spill you're going to die whether or not it explodes.

I suppose it's worth noting in your second link, the fatalities were from the kinetics of the impact, which is a hazard that belongs to "things with velocity" rather than "things containing fuels".

We can assume that uncontained fire and explosion are categorical hazards with fuels.

Ammonia has significant risks that few other proposed fuels present and I believe it's worth considering whether this is something we want moving outside of hazmat routes between industrial zones.