Starting with the EU payments one - that sounds completely sensible and the correct way to go. If a definite exit date is set then anything for payment beyond that date should be not chargeable I suppose. I also like your comment on no naughty step and still being involved in discussions and so on until exit is done. One fly in the ointment is we are due the Presidency in early 2017. Can't see that happening now, but it needs to be discussed. Someone else should step in, although it is mainly ceremonial. There will be some discussions that we shouldn't be involved in though - what the EU propose to do among themselves around the exit and beyond. We would have to sit out those discussions.
The Visa thing - ok, so that is freedom of movement of citizens definitely to go. Fair enough, and I note that you have suggested it must be reciprocal, which is absolutely true. It would be completely unrealistic to expect us to get all the gain and none of the pain there. It means then Visas needed for even short trips to the EU. A pain in the arse. But not an insurmountable one. I'm not sure how the "working" restriction will actually pan out. Families move here. Not everyone will be getting a job or have one lined up. Equally we have citizens who retire to Spain and France and other countries. They won't be working. Would they be denied visas?
Trade-wise, I get what you are saying. The trouble is you are trampling all over an EU red line that they won't cross. I can't see them agreeing at all. If you want the above, the best I can see coming is that a Hong Kong style agreement is put in place. We don't get charged tariffs with the EU, they don't charge tariffs to us. However, because we are outside the EU block, we aren't obliged to charge tariffs to anyone else either, and they won't charge back to us. Sounds great. It would take a lot of setting up. Equally it would mean vast cheaper imports that could destroy our manufacturing.
Like I say - interesting start to the proper debate. Beats going on about olives and population density anyway.