This thread illustrates why I don't think labels like "RPI" are very meaningful. Different people have different ideas of what is IC and what is OOC.
If forced to propose one, I suppose a good boundary is whether or not other players know you (inside the game) as a player and character, or only as a character. In a role-playing-enforced environment, there shouldn't be any way to tell who is playing who within the game.
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