I touched on this topic from a slightly adjacent angle this afternoon in this short post about the importance of your stake, no matter what size it is or isn't.
And folks reading your post may also find this one useful also to know about dead witnesses and more reasons why voting and maintaining up to date votes are important for all holders of HP.
You make some excellent points, and my posts don't disagree, they just offer some more reading on the same topics and some more thoughts on the matters at hand.