@tomdx, although your method sounds nice and all, whenever anything basic like running a pool or delegating becomes so complex as you are making it here, I would not be willing to promote it. I only believe in the most simple solutions. Which in this case in my opinion would be a change of the protocol like mentioned here:
So Although I understand that you are making the best out of the given situation (and I respect that), I feel that the given situation needs changing and we should focus more on that.
PS: anybody with a stake lower than 1m looking for a group of SPO’s to learn, share common problems and have fun check this telegram group out:
A place for Extra Small Stake Pools to hangout, to learn and to have fun! - Staking & Delegation / Operate a Stake Pool - Cardano Forum