Folks,
All this talk of reading T&Cs is all well and good, but the fact is, none of us read all the T&Cs we're bombarded with. Mobile phone contracts, website registration rules, the small print on your travel insurance...generally, we all accept that the legal terminology is too much for us to digest, but probably reasonable anyway.
But with Ryanair, reasonableness doesn't come into it...'normal' T&Cs are the exception, and I suspect that they know this. They, in a sense, are defrauding passengers, by actively enforcing T&Cs that are different from the norm, in the knowledge that most real people won't ever get round to reading them.