I think your reading is overly strict, although if you got into the specifics of your interpretation, I might be swayed. I certainly doubt that was the intention of the FAA, in promulgating the regulations. It is certainly NOT the philosophy that they apply to aircraft pilots. Basically, if you receive no compensation, you are considered a "Private Pilot". Simple. Of course, those of us that have progressed through Commercial, and Airline Transport Pilot licenses are aware of the distinctions. Make the case for inspecting your own roof being illegal, if you will. I am certainly willing to listen to how you arrived at that conclusion. We can all learn from others.
I agree with your last sentence. I'm not so sure about your first. Let's chat about the specific assertion that the FAA, "interprets it" that way. The practitioners (over on the manned commercial side of the FAA), hate vaguely worded regs, and so do airline pilots. When faced with the interpretation of a regulation, that is poorly worded, I've asked for a specific Letter of Interpretation from the FAA as to how I was to comply with a regulation that can be interpreted many different ways, by many different FAA inspectors. So if I've complied with that regulation, under the terms of the letter, I've nothing to worry about. Since my ATP license would have been on the line, I would not rely on a personal interpretation from someone, if it seemed contrary to common sense, or logic. Takes a while to get the response, especially if it needs to be kicked up the line. I would dearly love to see a Letter of Interpretation, from the FAA, stating that inspecting your own roof is a commercial operation. Not doubting your sources of course, but if you've something official from the FAA, regarding this, it would be useful for all of us. If this is really the way the FAA defines "recreational" it would be something new, as well as odd.