Chopjock, You say you don't violate rules and regulations. However, if what you have posted is correct and you are for real (which I do doubt), by operating it overweight you invalidate the C of A of your aircraft and therefore also your insurance. You also compromise your maintenance company, especially the bloke who last signed the aircraft off as serviceable. Believe me, they take that sort of thing extremely seriously.
If you do have an accident, your insurance company will probably deny liability and it would be left to you as an individual, or your estate, to pay damages. I for one don't relish the thought of a wife or kids losing their house over something totally avoidable.