David, i am the poster who told of the aunt who build the rock wall and it is a fact. and you are right about building retaining walls like you say; it has a lot to do with the terrain and the reason for building it. the wall aunt ethyl built, for all its stability would not have held up with the mudslides like in California. even deeply founded walls could not have stood up to that. here in texas a large wall really needs a good footing if it's being build to hold a slough and a good rock base to keep the black clay from tearing it apart from expansion and contraction and needs to be build with a very wide base and leaning toward the bank it is holding. but a low wall in a small garden not in the middle of a slough will usually do fairly well here.
best regards, lee h