There's a lot to digest, so let ne just suggest the following

1. First of all, bHive, bHBD and bLeo - these are worthless unless you will swap them into Hive tokens,
2. I agree with you on the HBD savings should be important part of the scheme, but if our target is 5k HBD minimum, let's use 100% of HBD interests and HBD content rewards to get there as fast as possible. After reaching that threshold, let's implement your rules (content rewards and 50% HBD interests into distribution pool); Shoot let's even use the leo rewards to get there faster; we've waited long for dividends, some more waiting won't change much and will give us a safer asset,
3. I'm against LP of SIM and BXT as a major branch. Imho the risk of SIM is too great; as for BXT I understand we will use BeeSwap service so we will earn back proceeds. Shouldn't we rather stake BXT?