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A dictionary is more useful than Urban Dictionary
(lemmy.world)
A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. The best ones are thoughts that many people can relate to and they find something funny or interesting in regular stuff.
It also depends on the circumstances. If I'm being threatened by an animal, including another human, I'd rather have even the granite rock than $20.