Your entire argument is based off of one quote from a contributor's post that implies something similar to your ideas by saying, "Let your players Take 10 unless they're in combat or they're distracted by something other than the task at hand."
I'm not basing my argument JUST on that post by SKR, but it's certainly relevant.
And classifying SKR as simply "a contributor" is selling him short: (from his wikipedia entry) "Paizo hired Reynolds as a developer on the Pathfinder Roleplaying Game. Jason Bulmahn has described him as a "critical part of the design team"
Your assertion that the magnitude of the consequences of failure is somehow a distinction from simply failing and suffering consequences of any sort is overly complicated, highly subjective, and has no support anywhere in Pathfinder. It depends upon numerous tiny variations of perspective and interpretation, and all to do what? Dictate how a player's character should feel and act?
If you think something should be scary, have the player roll a Will save against fear, otherwise, use the rules we have. Or, do whatever you like at your table, but don't make an claim that your way fits the RAW when discussing the rules in the Rules forum.