I get what you are suggesting and reckon that there is no reason why it wouldn't work. I do though, have to defend the splash guards and just correct a couple of your comments. I haven't used Bobs spray skirts so I can't really comment on their functionality. There are plenty of customers out there that will certainly defend them to the hilt with a lot more knowledge on them than me. The plastic splitter design is really aimed at 'splitting' a wave and reducing some of its power. It was never intended to hold water either above or below it but to flex and allow any excess forces, either up or down, to be deflected and pass. Without going through the treads again, I don't think there was ever any comment about it adding stresses to the bow ???? If there were, well I can categorically assure anyone attempting to make one that.... 'there isn't'.
I have used mine perhaps a dozen times now and would never be without it.
Don't take life too seriously................it ain't permanent.