[kamjam]

I use XML comments on every function

I'm not talking about your opinion on point 2 here specifically, but your comment reminded me of a discussion I had with someone about comments... well, they were arguing (like the OP) that you should not use comments in your code but they would gladly use XML comments for the same reasons you have stated. So they would go to the lengths of helping out external developers with comments but not their own internal developers. Seemed very strange to me!