In answer to your further points:
I do realise that, should I need to fly at night with passengers, one of my 3 landings and take offs within the 90 days would have to be at night. That would be taken care of, and then some.
The passengers are indeed consenting adults, if they decide to come with. I have no intention of taking my boys in the plane for a few years yet; they're too restless and would distract me too much. They're bad enough in the car!