I'm not going to waste my time providing cites to people who don't care to read them anyway. I've had several discussions with people who assert that anyone can change the crystals. Most of them already had heard that it was something they weren't supposed to do. Even after being shown the regulations, prior discussions on the subject, and comments from experts in the industry, they still said they were going to do what they want. This discussion is just another example, as your words below show.
Yes, you ARE looking for loopholes. The FCC says the end user can't change crystals by themself. Industry experts say end users can't change crystals by themselves. Manufacturers say end users can't change the crystals by themselves. The discussion you cited ended with the same conclusion. In spite of all these sources, you still try to interpret the rules in a manner that makes it sound ok for end users to change their own crystals.
The difference is meaningless. The point to the discussion is that end users should not change the crystals. The primary reason in the US is that it's against FCC regulations. The FCC says this. The manufacturers say this. Many industry experts say this. Doing a lawyer wannabe analysis of the regulations trying to dispute these sources does little but give people an excuse to ignore the regs. I can hear Joe Sixpack now, "Dat Doug guy on dem dar usenet news thingie said it was ok, so golly, it must be ok. Hey bubba, check this out..." In the end, unless you work for the FCC, or are a judge trying a case on this subject, your interpretation of the rules is insignificant. This rule does not create a significant burden, or expense. It's pathetic that people who spend hundreds or thousands of $ on engines, radios, and models look for excuses to save the $20 to $30 it takes to properly change a crystal.
For the safety of all of us, people should follow the advice of industry experts (rather than the local bubba), the manufacturers, and FCC regulations.
When people have to answer the same question over and over, they tend to shorten it to something that's in your words, "broilerplate-ish".
Anyone who tells the average Joe that it's ok to change his own Tx crystal, if he's in the US, is ignorant, or irresponsible.