By Evan Dawson, Managing Editor Photo courtesy of Sheldrake Point Vineyard If you're a wine lover but not a wine grower, let's start by accepting a few things: You and I don't know what the heck evapotranspiration is. We can't calculate growing-degree days offhand. We can't lecture on the impact of Mount Pinatubo's volatility. We know this, though: Debt sucks, and having a pile of cash on hand is good.  And that, essentially, is what separates 2009 in mid-July and 2010 in mid-July. "Last year we were in debt from the start with regards to ripening," says Morten Hallgren,…