I'm with Chuck here! Where does it say "never" turn below 500? Are you saying that you feel more comfy climbing toward a built up area that you say yourself doesn't provide any suitable place to force land? What if the machine you're flying has a poor angle of climb (ignoring the noise abatement issue) are you saying it's better to labour up to 500' before turning?
It seems resonable to fly in such a way so as to be able always to land somewhere 'soft and cheap' !