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I see your point - there are two points though, the second being most important to me...
  1. If the characters are in any way identifiable then they can sue and making it up isn't a defence and if I used that then I could be charged with slander.
  2. For longer than I remember I was called a liar so that the people I have written about could get away with what they did. Writing about my experiences and then saying that they were all made up - well that would go against everything that I am.
You can always be charged with slander. There is no guarantee that just writing normally about anything won't do that. You put the disclaimer on of "any sort of stuff that is related to living people is totally not a thing and blah blah blah."
Point 2 is a problem. I guess you have to pick between whether your story is more important, or your label by society.
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