Logic, hm? You missed the following option, which is the most annoying if you get bumped regardless:
e) I fly my freighter actively, web, scout, limit my cargo value, take detours, don’t let people scan my ship on Jita undock, use insta undocks, help other haulers get better, and just because I have a name, I get bothered with bumping even though I behave less bot-aspirant, less socially toxic, more socializing and helpful than any ganker.
But by all means, keep going with your logic.
Off course I say it like this, because every suggestion that I read about to nerf bumping turned out to be a blanco cheque to make ganking with less effort easier. Same goes for your suggestion as I outlined in my first response.
Yes, you can factor in losses into your business. But only so many if you lose them every week with the goods necessary for your business, for instance. Playing in groups has exactly what do with anything? Costs are costs regardless if it’s your alts or your friends. You have to buy the counter ganking ships, you have to pay for sec tags treatment, you have to pay for the escort.