Ubi, nice comparison of the communities. Now, try putting yourself in the Rashi’s shoes, if I may. Did Rashi mean to foreclose our thinking about Chumash? Did he order printers to put his commentary in a special Rashi script to underscore that nothing else should be said after and avoid confusion?
Another option is that Rashi is there every time you are reading a posuk and have a concern, you are likely to find a helpful Rashi giving you an explanation. As if he is preparing you to be able to master the text and start serious analysis after that.