DY,
I understood that chiluk then and now, but my point then (which I still feel) is that others don’t. OR that others feel that they should, as a tsibur, force the yachid to do the right thing.
I think you can see how such rulings can be misapplied.
BTW, I used to wear a hat always, but don’t much anymore. It started hurting (maybe I’m getting older). I usually wear a tie, and almost always a jacket unless I didn’t have the chance to get a jacket.