I think "fine dining" is that which is truly a cut above in food, service, quality, and atmosphere - not necessarily based on a strict "tie required" dress code, $$ prices, or decor, but something that makes you feel special and like it is an event.
Agree that service and the overall atmosphere is a HUGE part of this.
IMO fine dining does NOT include young children, sloppy attire, funky/beachy decor, plastic chairs, cell phones, loud drunks, servers in shorts or t-shirts, or TELEVISIONS!
I have been to some amazing restaurants and true fine dining knocks your socks off and outright spoils you for other restaurants.
Even though Sowal restaurants are a cut above most, I think there is a level of casualness in most of them that keeps them out of the "fine dining" category.