I think you're ascribing an unreasonable amount of bad faith here, and, to rephrase what I had here before, you're approaching this from an engineering perspective, not a legal one. And that's not how those things work.

To be clear, that policy is a contract. And those things would be decided by a jury. And if my understanding is correct, the reasonable person standard applies. So you can answer this yourself, do you think a reasonable person would believe that your interpretation is valid?

If not, why mention it?