Boo. I'm supposed to respond to a megila of non orthodox thought?
Not happening. As you mentioned, this is a predominantly orthodox forum.
But il summarise my response in one sentence.
If being frum is too difficult and embarrassing for you, you're sadly SOL.
There is nothing anyone can do to help you. Even the rabbis.
I respect Aygart's response, though i disagree, at least he provided some substantive comment which i will respond to if i have the time. If you refuse to respond to questions and just want to live in a box, that's fine, but that's not the jewish way. we have to be able to respond in a way that makes sense (dah mah lehashiv) both for our own sake (so we dont later question ourselves and defensiveness without real answer) and for our kids sake (day lechakima on this) and makes our religion look good.
our religion does not have hold fast rules (per rambam, and elaborated by achronim from R Yosef Cairo and then R Elchonon Wasserman in Kovetz he'aros as to the binding nature of shas (due to consensus, and the potential to change all the rabbinic rulings based on opposite consensus)) other than what is in ksav (including simple basic interp), passed down via mesorah to moshe (including certain drashos) or halacha lmoshe misinai.
as to whether we should be embarassed, there is so much in mesorah as to how great, moral and just our torah and halacha is, whether recognized by goyim, women or the world in general (i cry sometimes reading the tehilllim we say every friday night in kabbalas shabbos, speaking of how happy zion is, and the rejoicing of the women of yehuda, because of Hashem's rules (mishpatim)). there is no doubt that we have a mesorah of trying to be as lenient as possible when it comes to certain classes of people who generally get the shaft (of course agunos too, though perhaps a different type from today).
so in the specific question of whether to use loopholes and chiddushei lumdus (and R Aygart, Pruzbul is an extreme chiddush in lumdus, and you'd agree maybe if you were ever heavily involved in them), the question is where is it absolutely necessary, and we have Today's leaders here to come to consensus on what is needed. I or R Nota or anybody is not the one to decide, but we must discuss with all knowledge and consideration at the table and come to a consensus, ala the Sanhedrin way back when, where young and old, and great peeps in all parts of society, brought up all the considerations and everyone voted.