blah, I don't particularly like the examples, becaouse 4-flush and 5-flush boards are such easy bluff opportunities that I even like to bet some hands with showdown value that cannot beat any flush just because they might actually call with worse some of the time, and if they never call with worse than say a set or 2-pair, then it's still right to bet, so...

It's really very rare that there is a situation where they will ONLY call when they have you beat... I think it's more beneficial to ask yourself how many hands are in his range that have you beat that will call, and how many are in his range that you beat that will call.
There are a million examples. Just post some hands. It really applies to every decision you have to make in some way.

The only situation that is really black and white like that is, say you raise PF with 55, flop comes 6TT, and you shove for 5x the pot because the last time you had 55 the guy hit his 6-outer on the river - you're only getting called when you're beat... but you have effectively protected your hand :P