If we excluded anything that was clearly cheating, such as falsifying rolls, intentionally "forgetting" gold spent, or intentionally giving yourself powers or features you shouldn't have (presumably in the hope that no one will notice), would that change your answer? It is difficult, of course, to be specific about your second concern, because the only thing that can oppose such "twisting" is a rational mind carefully considering context and principle, so if that alone would still lead you to say "no," that's a perfectly reasonable stance to take.
I'll add the "no outright, actual cheating" thing to the OP, for future voters, though no one should feel compelled to change their vote solely for that reason.
The question I think, then, comes from whether the social contract is part of "the rules" or not. From our past interactions, I'm fairly sure you would say that (at least in this context) it is part of "the rules," but if I'm wrong about that I welcome correction.
So, even if the DM accidentally left open a major loophole, you would in fact pass up on using it? Just to be clear. 'Cause that sort of thing, doing something technically rules-legal despite knowing, for sure, that it would upset the DM if you did it, was part of why I posted this poll--someone said pretty much exactly that.