When does lawn 'mulch' become 'thatch' ?

I live in Florida where lawns are primarily St. Augustine grass. Lots of mulch from mowing without a grass catcher - "good" amount of mulch. So when does this "mulch" become THATCH ? My other half says if we De-thatch with a typical dethatching implement it will tear up too much living (vines) grass. I, on the other hand wonder if it has become THATCH.

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