I am quite happily a Fred/Yellow Jacket commuter. The OPs rules, as stated by early responders, are nonsensical for REAL commuters.

I push 285 lb of me, 25-30 lb of bike, and 15-25 lb of cargo happily through the air at a moving average of 12-12.5 mph (or a moving average of about 10 mph). Do I care if I get dropped like I'm sitting still? Not at all.

The OP can have all the "points" against me he wants. I gain my points by getting there under my own steam, by the number of days in a row I commute without flats or blowouts, by the weather I ride through, by the number of days I commute at all, by my knees hurting LESS, and by the waistline I shed.

OP, enjoy your knee surgery and walker when you're older.