Flying pay is purely an incentive pay to retain experienced crew, nothing to do with risk. All of the flying services treat their PVR'ing aircrew in this way, not just the RAF.
Why not just remove yourself from flying duties (as you say you're only on first tour FP so the other £3 a day shouldn't be a great loss for the months you have left). As for your loyalty to the service, just see how they value your service when you become 'ex' forces. Loyalty to your present mates is a different issue. perhaps you could work in ops until your end date to help out the team?
Good luck with the future