1. Perhaps Squawk and PG could start a new thread to bash each other in? - er, just a thought.
Radical Rabbit, whilst they pay nothing - you are okay. Whilst they pay their share of direct costs you are okay (ie 3/4, 5/6 or 129/130 dependant on the size of your aircraft?!).
In reality, if you choose to ask the 5 of them to cover the full cost of the flight - and you go for free - then you are unlikely to go to prison but it is not permitted.
I (ahem, occasionally) drive my car in excess of the speed limit, that is a risk I assess and take.
The rule exists to prevent PPLs flying commercially - I don't see that either you or Luigi M are planning on doing that.
It's ultimately up to you, assess and decide.
Sam.