Well what ARE you doing for husbandry? Because most people in this hobby that feed 1/2 a cube a day and nothing else have issues with phosphate eventually. And that is despite rinsing food and using RO/DI. It sounds like you are leaving a lot out.
And I would agree with your point #4, except that people come here looking for ADVICE, i.e. they are trying to determine whether or not they should buy something based on the current body of knowledge in the hobby. They are trying to be responsible, or as you say, doing their homework. But that's kind of I don't of such a demanding system.
Honestly, most of the best people have left this for um or hardly contribute anymore (Rob, Calciumbuf, Aquaman, Greg Hiller, the list goes on) because everyone acts like an authority when most people here have no clue and just toss out the latest meme in the hobby. Ever notice how most of the people with the best knowledge never comment anymore? They just use the forums to sell stuff. That's because people that have been in the hobby for two months are arguing with reef keepers of 20 years. In fact, almost all of the most beautiful tanks I have seen in the area are not members here at all because of this.