Sam,
You haven’t answered my question. And this is really what it comes down to; theres a halachic definition of pikuach nefesh, which you are not qualified to offer. There are also limitations to the heter of pikuach nefesh, which again, you are unqualified to define.
Your insistence that our gedolei haposkim are wrong is either a horribly misguided limitation on the power of halacha to guide our lives, or an extreme ga’avah which allows you to think that you are better equipped to make halachic decisions than talmidei chachamim who have spent decades poring over Sha”s and Shulchan Aruch with tremendous intensity and depth.