Looks like it always come down to the courts. If something bad did happen at a paintball R/C shoot and AMA says no to the insurance based on SC #3, then the courts will be the ones to decide and the lawyers from both sides will be all over SC #3 like flies on you know what to prove or disprove if there was any recklessness on the club's part.
Insurance company can simply say, claim denied, end of story, no judges, no lawyers. Now you get to fight your own battles. First you have to deal with your accident, at your own expense, before you can go wasting your time fighting the AMA. And good luck fighting a poor ol' not for profit whose been around for 70 years with proud american heritage. But after you lose your lawsuit, then you can try to go after the AMA and only if you honestly think shooting an RC plane was safe, out of your own pocket. And a big good luck with that one! You think you'll get a lawyer on contingency on that one??
All this trouble and all you had to do was avoid it in the first place. I'm not saying I would never shoot paintballs at an airplane, sounds GREAT! Terrific. but what I won't do is jeopardize my livelihood or my fellow club members to do it.