We have documentation about the names policy for Google Profiles: http://www.google.com/support/profiles/bin/answer.py?answer=...

Your #2 and #3 points seem to assume that if your profile name violates the policy, your Gmail access is suspended, but that's not true. If your profile is suspended for not having a real/common name, that only affects services that use your profile (Google+/Buzz/+1). It doesn't affect other services like Gmail, Blogger, Docs, or Calendar that don't use your profile. So you can continue to use Gmail even if you can't use Google+.

Finally, even though Gmail will work even if you can't use Google+, there is recourse to appeal a name suspension. Here's the url to use for an appeal: http://www.google.com/support/profiles/bin/request.py?hl=en&...