@Ragman,
All of these so-called "rules" are merely ways of explaining what people already do.
My Kindergartener is learning spelling and reading rules, and they just make me laugh, because the rules are so absurd. (Thank God I don't have to teach it.)
They have little songs and rhymes. All the different ways to spell the sound "-er". "O R says 'er' if there's a double-u in front like word or work!" "Er the er of early." "Er the er of her." "Er the er of birth."
All this to say... regardless of what your expert says, people will talk the way they talk. Which is why I posted that I say such-and-such and I live in such-and-such a place.
Not that rules aren't good for learning the language; people need a framework on which to hang things. But getting too rigidly attached to the rules, and seeking out "experts" on how to talk is kinda silly, IMO.