You're just trying to impress everyone with you knowledge by pulling a regulation out of your hat.
Yes, this actually got me laid last night. Ain't that cool?
You actually need a damned compelling reason to exercise 91.3(b), which is why 91.3(c) exists. If you have been denied access to Class B / C / D (yep, they can deny you access), your engine quits, and you go gliding into the primary when you could have easily glided to a perfectly good airport, even a nice soft grassy field, outside the Class B for no reason other than you thought you could do whatever you want under 91.3(b)...you're fucked. In fact, even if that was the only reasonable option (other runway was too short, covered in clouds, mountainous terrain with no fields, whatever), you still better hope to hell no one can ever possibly blame you for the engine failure.
It's not that black and white. First of all, once I utter the words "I declare an emergency", or just squawk 7700, not a single controller will deny me class B clearance. They're trained to deal with the emergency first, handle the rest later.
Second, if I mess up in flight, that does not mean I deserve a death sentence by ATC denying me the best possible option to get out of my emergency. A very good example of this would be a VFR pilot flying into IMC. It is his own fault for getting in that situation, but ATC will do their best to help him out.
Yes, you may need to explain yourself to the FAA. But I rather be in the hot seat in front of the FAA than have my wife and kids say their last farewells.
You cannot exercise 91.3(b) if the emergency is your fault. If you forgot to switch tanks, cannot show that you were properly performing maintenance (like changing the oil), the FBO where you rented the airplane didn't do a 100 hour, whatever...you're fucked.
Total utter bullshit. You can exercise 91.3(b) at any time if the safety of the flight requires you to do so. Feel free to cite the rule that provides an exception for self-induced emergencies.
That does not say that you can do whatever the fuck you want. It means that the accountability comes afterwards, in the sense of "we have a number for you to call", once you're safely on the ground.