No, you are incorrect.
We have a torah, and we follow it. We had chazal, and we follow them.
You say no rabbi has found these sheitels ok. That is not the issue. The issue is whether anybody has found them assur. Chazal did not see fit to make sheitels assur, and we do not need to add to their issurim.
If you feel more tzanua with a hat, by all means. But if you declare what we do assur based on your feelings, you are very wrong.