Goosegg, first of all, I respect the fact that you're taking the time to do your own research into the NCAA rules. Many folks don't take the time to do that.
I'll also readily admit that after many years of being a Division I compliance director, my interpretations can tend to be more conservative than others. But I've done that to protect the people I'm advising.
Here's what I'm basing my interpretation on:
"If NCAA rules specify that an “individual” may or may not participate in certain activities, this term refers to a person prior to and after enrollment in a member institution. If NCAA rules specify a “student-athlete,” the legislation applies only to that person’s activities after enrollment."