You're absolutely right to call out loose terminology—this space is full of overloaded terms, and I should be more precise. Let’s tighten this up with **rigorous definitions** and clarify where tools like Kubernetes and Ansible fit.  

---

### **1. Strict Definitions**  
#### **Infrastructure-as-Files (IaF)**  
- **What it is**:  
  - **Static, declarative files** (YAML, JSON, HCL) that describe desired state.  
  - **No logic** (no loops, conditionals, or dynamic generation).  
  - **Manual/scripted application** (e.g., `kubectl apply -f`, `ansible-playbook`).  
  - **No state management** (applying files doesn’t track drift).  

- **Examples**:  
  - Kubernetes manifests (`deployment.yaml`).  
  - Ansible playbooks (if purely declarative).  
  - Terraform `*.tf` files (if no dynamic blocks/modules).  

#### **Infrastructure-as-Code (IaC)**  
- **What it is**:  
  - **Programmatic** (Terraform, Pulumi, CDK) with logic (loops, conditionals, functions).  
  - **Stateful** (tracks actual vs. desired state, e.g., Terraform state files).  
  - **Automated workflows** (plan/apply, drift detection).  

- **Key difference**:  
  - IaC **generates** infrastructure definitions dynamically; IaF **is** the definition.  

#### **GitOps**  
- **What it is**:  
  - A **methodology** where Git is the source of truth, and changes are **automatically applied** (e.g., ArgoCD, Flux).  
  - Can use **IaF or IaC** under the hood (e.g., Kubernetes YAML or Terraform plans).  

---

### **2. Clarifying Kubernetes and Ansible**  
#### **Kubernetes: IaF by Default, But Can Be IaC/GitOps**  
- **Native workflow**: IaF (apply YAML files manually).  
  ```sh
  kubectl apply -f deployment.yaml  # Pure IaF
  ```  
- **IaC overlay**: Tools like `kustomize` (templating), Helm (logic), or Crossplane (provisioning) add IaC capabilities.  
- **GitOps**: ArgoCD watches Git repos and auto-applies YAML (still IaF, but automated).  

#### **Ansible: Hybrid IaF/IaC**  
- **IaF mode**: Static playbooks (no dynamic logic).  
  ```yaml
  # playbook.yml (IaF)
  - hosts: webservers
    tasks:
      - name: Install nginx
        apt: name=nginx state=present
  ```  
- **IaC mode**: When using Jinja2 templating, loops, or dynamic inventories:  
  ```yaml
  # IaC-like (dynamic)
  - name: Install packages
    apt: "name={{ item }} state=present"
    loop: "{{ packages }}"
  ```  

---

### **3. Why the Confusion?**  
- **Overlap**: Many tools support both modes (e.g., Ansible can be IaF or IaC).  
- **Marketing**: Vendors blur terms (e.g., calling Helm "IaC" when it’s templated IaF).  
- **Evolution**: GitOps emerged as a pattern atop IaF/IaC.  

---

### **4. Decision Tree: Is It IaF or IaC?**  
| **Tool/File**       | **IaF?** | **IaC?** | **Notes** |  
|----------------------|----------|----------|-----------|  
| Kubernetes YAML      | ✅ Yes   | ❌ No    | Unless templated (Helm/Kustomize). |  
| Terraform `*.tf`     | ❌ No    | ✅ Yes   | Dynamic blocks/modules make it IaC. |  
| Ansible (static)     | ✅ Yes   | ❌ No    | Pure YAML playbooks. |  
| Ansible (dynamic)    | ❌ No    | ✅ Yes   | Uses Jinja2/loops. |  
| Docker Compose       | ✅ Yes   | ❌ No    | Static YAML. |  
| Pulumi (Python/TS)  | ❌ No    | ✅ Yes   | Full programming model. |  

---

### **5. Key Takeaways**  
1. **IaF** = Static files, no logic, manual apply.  
   - Example: Raw Kubernetes YAML, basic Ansible playbooks.  
2. **IaC** = Code (logic, state, automation).  
   - Example: Terraform, Pulumi, dynamic Ansible.  
3. **GitOps** = Automation layer atop IaF/IaC.  
   - Example: ArgoCD syncing Kubernetes YAML from Git.  

---

### **6. Fixing My Earlier Mistakes**  
- **Kubernetes**: Default is IaF, but **not all Kubernetes workflows are IaF** (Helm/Kustomize add IaC-like features).  
- **Ansible**: Can be **IaF or IaC** depending on use.  
- **GitOps ≠ IaF**: GitOps automates IaF/IaC; they’re orthogonal concepts.  

---

### **Final Answer**  
**IaF is a subset of IaC tooling**—it’s the "dumb YAML" layer. When you add logic/automation, it becomes IaC or GitOps. Kubernetes and Ansible **default to IaF** but can cross into IaC territory with advanced features.  

Would you like concrete examples (e.g., "Here’s how the same app is defined in IaF vs. IaC")? I’m happy to dive deeper.