You hit the nails on the heads in my view. The rules are set up to protect all of us. As typical with politics, it turns in to a money machine and safety is not at the top, no matter what they try to say otherwise.
It is dangerous for a guy who seldom drives the rig, not used to the weight, stopping distances, etc., to go rolling off somewhere to "pick up a tractor". Safety has nothing to do with whether it is his play toy, if he makes money on it, or if he is actually a famrer.
If he runs through a traffic signal, runs over the vehicle in front of him, blows a tire and runs across lanes, the ugly result is the same.
I say we either set the rules for all, or drop them completely and everyone take their chances on the road.
We all have that thought that it "will not happen to us." Many people with that thought have been proven wrong, some of them are not alive to argue the point.