Why so obsessed by rules?
The rules should be a long stop.
Be aware of when you feel less than current. Be aware of when the conditions are beyond those with which your currency will make you comfortable.
In my experience pilots with few hours and just within currency are inclined to be on the edge of being safe. Those with a thousand or more hours are able to deal with periods of low currency much better.
However you come to realise their are no hard and fast rules and no substiute for learning the signs that you are not as comfortable as you know you should be.
I play a few sports, including golf. I have good days and bad days, and I have days I know that its been too long since I last played. You just know in time. Flying is no different unless you want to pretend otherwise.