Everything else sounds pretty reasonable, but this doesn’t. If you cause someone harm, you should expect that they will attempt to recover damages from you, regardless of what your T&C says. I cannot fathom why you think you should be protected against this eventuality. Buy insurance instead.

Regarding your question, notwithstanding the hand-wringing on this page, a given T&C clause tends to exist because someone has been sued over the matter being clarified. If the law specified each point, or if society were less litigious, these clauses would not be necessary. But this is not the case. I think you would be a fool to risk your company’s wellbeing to satisfy the whims of uninformed HN commenters. Almost all of them will blindly accept and be bound by your T&C regardless of their stated beliefs on this site, and, even if that were not the case, they are a tiny, unrepresentative slice of your market.