Alrighty, where to begin.
First off, I can't find an online reference to the sage comment you discussed. If it was in dragon, fair enough, though I will point out that the sage has been repeatedly wrong about even basic questions. For example, the sage agreed, in direct contradiction to the PHB that you could Empower-Empower-Empower-Maximize a spell in a Dragon Mag about two years ago.
Wizards CustServ is a source I will never agree to using. They contradict each other often about even basic rulings.
The arguement that "Because they didn't include these spells, they don't work" Is a bad arguement. The four spells they picked for contingency are rediculously straight forward uses of the spell, and are all travel spells. There are hundreds of spells in the PHB that were not included, such as Shield, Fire Shield, Magic Circle etc.
Of course the reasoning for this in 3.5 is because they took the contingency spell nearly word for word from the second edition books. ^_^
My arguement isn't "They didn't say these don't work so it does", my arguement is they didn't specifically say "Only these spells work." It would have been very simple to say "Spells that ONLY affect the caster, or spells with a range of Personal or Touch" and specify that these spells only targeted the caster.
I agree entirely that its a poorly worded spell that could be clarified by the addition of a few words. That said, I don't see this as a loophole so much as a clever use of my spell.
And finally, you misread me. I'm not using Chained contingency spells. I am using the 9th level spell "Chain Contingency." Which functions as per contingency except that you can hold up to 3 6th level spells.
I chose 3 Greater Dispel Magic spells that used thier usual "Area" Effect, attempting to dispel one spell in their area until they succeed.