If you want to read it that way, fine. My position on off-track penalties is simple - if you gain time, it should make you give it back - during the race, so that the rest of the race is as it should be. The fact that it's no good at a) giving the right amount of penalty and b) making a player take that penalty so it has effect, is a separate issue. (a) won't be solved by saving penalties 'til the end of the race, and (b) could certainly be coded better.
If penalties were saved to the end, I think racing behind someone who has a penalty could only hinder me. If I knew he had a penalty looming, I'd have to weigh up whether it was worth even trying to pass him - and probably the risk averse part of me would avoid that unless I was a lot faster, or being pressured from behind. It would be a different, poorer, race.
The only case where I'm arguing for no time penalty at all is when you've already clearly lost time.
OK, my race pace is a bit slower than my hot-lap, of course I want less risk. After that post I checked my times at a Brands GP race, my quali was .3xx, laps 2 thru 4 were all .8xx, lap 5 was .9xx. But it's on the exact same lines if there's no traffic. That doesn't tell you as much as you'd like to think. It might surprise you to hear that I don't get many penalties, and most of those are from me messing up and losing time, or choosing to go off-track to avoid a collision with a spinning car, etc. I discuss this because I am interested in how SR/DR/penalty systems can and can't work. In doing that I try to consider all the cases where penalties are applied - if you want to take that as me getting them all then that's on you
I said nothing about the lead pack. The leader at least is usually quite far ahead of me in DR=A/B, SR=S races. Saying "falling back", I meant from whatever starting position. But for sure, the lead pack will be taking a line very close to a penalty on certain corners, and doing it reliably - that's one aspect of what makes them the leaders!
The systems need to work as a whole, and to be as fair as possible. Whatever it is, it's the same for everyone, that doesn't automatically make it fair. Possibly thanks to people being vocal about PD putting something in to apportion blame, we now have a poor system where an innocent driver can get a 10 sec penalty, if the guilty party games it right. Don't forget this is happening in a system, and penalties are as high as they are partly because they can be weaseled away - if they were saved 'til the end, PD might decide to make them smaller. Be careful what you wish for.