European rules
Just check your licence, if it is JAA then it is issued in compliance with JAR. JAR Ops 1 is available on the net and applies to you when you operate the way you have been on some of the occasions you have described! just as relevant sections of JAR FCL 1 and 3 do.
How did you get a CPL without understanding basic air law regarding public transport? Sure, it spolis the fun but their (now EASA) reasons are borne out of accidents, illegal flights and sloppy practises in the past.
Lots of friends on this forum have been quite helpful but you do not wish to see it from the point of view of the regulating authorities. You really should now help us all and explain to them why your operations ALL of them are legal in the EC. I for one will be riveted to hear their responses and I challenge you to contact your insurers and ask them to read this thread! Anyway, Good Luck, fly safely and try to stay legal, I am a sailor too.