I understand the way you see things but I also recognize that the law tells you what is not permissible, not what is. I carry my CCFR legal insurance and hope they stand behind me if the time comes. In the mean time I enjoy all the legal configurations of firearms I can afford, and try not to think too hard about the over-zealous or confused officer I might happen upon at some point. Life is too short to worry excessivly about being charged for doing things that are completely within the law.
Something to consider.
Just like your car insurance, your CCFR coverage is based on a few criteria that insurance companies will use to avoid paying you in the event of an incident.
If you drive your car onto a frozen lake and break through, your insurance company says that you willingly put your vehicle in that situation and your coverage is void.
If you modify your car to where it is no longer able to pass a safety inspection or no longer complies with the DOT requirements even with something as simple as installing non DOT approved headlights they can void your policy in the event of an accident.
Coverage is based on you following the laws and they assume that your vehicle is in the same condition it was in when the policy was taken out.
Your CCFR insurance will work the same way, they assume that YOU are doing your due diligence and following the laws and that your firearms have not been modified to now be out of compliance.
The FRT may not be law but it is what they police forces and courts use when determining if you are compliant with the laws. Doing whatever you want because in your interpretation of the law what you are doing is legal will not automatically make you innocent if you are charged with a firearms violation.
FRT's are issued based on the labs interpretation of the laws which means that when your case goes to court and the courts bring in their experts, guess what they're going to say, that's right, whatever the FRT says.
So, if you take your MS and configure it in a way that is questionable and get stopped, they will refer to the FRT, then since the cop in the field is probably not an expert he/she will confiscate the rifle, charge you, and eventually, you might get cleared of the charges and your rifle may be returned. If CCFR stands behind you things may go smoothly and fairly quickly but they may also say that your modified rifle is not worth the risk and use a loophole to get out of covering your court costs. Also consider that CCFR is not some multi-billion dollar insurance company, one or two cases like this would sink them and your coverage is worthless. Fighting the federal government in court would be a very bad idea financially.
Why is it that every time we win something (ARish rifles being classed non restricted) guys immediately have to try to push the boundaries and risk it all?
With the current government openly trying to make our lives difficult and trying to take away more and more I think it would be a much better idea to take our wins and enjoy them while we can rather than trying to push the limits. I think the laws are stupid the way they currently are but with the way the world is changing I think laying low and not drawing any more negative attention to ourselves would be a better course of action till after the next election.
If guys want to fight for things it should be done the right way, in the courts ahead of time, not on the defense after being charged with something dumb.
You are 100% correct though, life is too short to to worry excessively about being charged with doing something that is completely within the law. The problem is that you're only completely within the law based on your interpretation of it, not necessarily the interpretation of the police or courts who have the final word in the matter.
And your comment earlier about buying 6 of these before the FRT was released was a risk, not a risk that you would get what you paid for but a risk that the lab could have deemed them restricted. Then you would have owned $6000 worth of restricted ARish receiver sets that very few people would give you $600 for no matter how nice they are. They could have easily ended up on the AR variant list and you would have no recourse. FRT may not be law but if it says restricted you're screwed regardless of where it physically fits in the classifications. So do you still think the FRT meaningless?
If the FRT is not law then why haven't guys been sticking 20 inch barrels in their AR's for years and saying piss off to any cop that questioned them? Without the FRT there is nothing about an AR with an 18.5+ barrel that makes it restricted, yet no one has tried to argue that one and just gone ahead and taken it off range to play (no one that will admit to it on a public forum anyway).