A genuine reply
I find it quite amusing 'Border' that you've come on here asking such a complicated question and then have a go at the regulars here when they give you their answers. If you are such a "safe pilot that doesn't take chances", why not ask the relevant authority for the true answers to all your questions? You would then avoid any of the potholes in the minefield that you are trying to cross.
You say that you will 'always abide by the law regarding the questions you ask, whether you like the answers or not'. I would suggest that here is the wrong place to ask those questions if you want answers .... however, if you want opinions, there is no better place than here. Remember though that opinions have no standing in a court of law when it all goes wrong.
p.s.
If you work 10-12 hrs a day, how do you get the time to fly 'how and when you want'?
When you say you get to fly 'how you want', as you emphasise yourself to be a safe pilot, what does that 'how you want' actually mean?