Q max: I hear what you're saying but am trying to look more deeply at pilot culture.
It seems that some of us are of a known dangerous character type. This is the point I'm making. The rest of us will make sensible decisions based on the rules and our professional discipline.
What was that saying? "Rules were made for the guidance of the wise and adherence of fools" - or something like that. I'm not saying that "the wise" do not adhere to the rules, merely that the wise are sensible about the way they go about their flying within the right culture, perhaps created by the rules.
I re-iterate that amongst the 'Human Factors' boffins, the tendency to decide which rules they agree with and which they don't (and disregard) is a known very dangerous character trait for pilots.
Incidentally, be amazed - look at Hoverman's post!