Please don't shoot the messenger..... I responded because I'd had the conversation with a couple of DOT officers ( one in Texas, one in Indiana ), who pointed out that since the vehicle is owned by a "company", it therefore could be considered commercial. I choose to not put myself in a position where I might have to argue the case along the roadside.
So, if the insurance company says it's okay, your accountant says it's okay, and the bmv says it's okay, the person who pulls us over on the road can still make us have a bad day. It's a broad gray area. How dark gray do you want to be?
So, if a trusted DOT authority says it's considered commercial, the words "folks get away with it", is, in my eyes, a fact, not just an implication.