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Sounds fantastic; go for it!

IIRC there's a Dungeon adventure where the 'dungeon' is the innards of a huge construct. Also somewhat similar is a Dungeon adventure where there's a castle on the back of a (living) monster.

If the other players are willing you could MJ their PCs and use movement magic like Dimension Door to move a combat type close to the BBEG then return to your MJ. And who's going to expect the Barbarian to cast Fireball? In a social adventure you could MJ a hapless valet or maid and go to...

How about a Shield Guardian?

This seems to me to be the perfect opportunity for a Bonus Action manoeuvre. After a successful Grapple you may use a Bonus Action to make an opposed Strength check to position the creature you have grappled.

Umm....

Rather than spending so much effort trying to nerf the players, why not let them be awesome and just give the mummy lots of extra HP?

Shades of Lord Soth.

Ah yes, that will do it.

Rather than making the gold armour grant fire resistance, how about making the gold armour the treasure they're there to find? So now they cannot use fire magic because that would melt the gold. Make some mook earlier have gold armour which succumbs to fire. That must have pretty much maxxed...

This defeats one of the main non-combat uses of Action Surge. Say the Fighter is trying to grab someone in a river before they go over a waterfall. They fail the first roll. Action Surge gives them another attempt and thus a roll. But by your rule it auto-fails. This ruins the Diviner wizard's...

Take a look at Glorantha: any dragon encountered is the embodiment of a dream of a real dragon. Real dragons can devastate nations on their own.

Ask yourself this question: faced with such penalties, why would I want to play a frontline PC? Your system disadvantages the front line considerably. An unlucky hit can take anyone down and then you're out for at least 3 rounds without outside intervention and even if you do get help you're...

Excellent.

Surely this is just recasting the same spell the next round at a higher level?

Just to elaborate: going your way, you could define all d20 rolls by d20 + PB when you're not proficient, d20 + PB + PB when you're proficient, and d20 + PB + PB + PB when you're an expert. That's an abstraction too far for me.

That's too good IMHO. And it begs the question: why have stats in the first place?

Isn't that - sort of - the Battlemaster? Or you could create a Fighter-only fighting style to cover that: Experienced fighting: you may use the lower of your Proficiency Bonus or your levels in the Fighter class instead of your stat bonus when calculating 'to hit' rolls. Math: hit roll = d20...

Skill can substitute for talent? Yes. You could take the higher of your Proficiency Bonus or your stat mod in appropriate situations. I've done this for the Fighter, allowing them to use PB instead of Dex when calculating AC: Defensive Bonus: Your base Armour Class can become 10 + Armour +...

Could you do this much more easily by giving the boss monster extra Lair Actions? Every time a PC takes an action the boss gets a Lair Action which can be used to direct a minion. Sort of like Legendary Actions, but only in the lair. Plus LA on Initiative 20 as usual. When the boss gets slain...