People have given their answers to your question, and it seems you are ignoring them. This really is fine but I don't understand the point of asking the question. Most posters at LST genuinely try to give the best advice. In the end it is your body and your tattoo, so if you'd like to risk it, that is fine.
As far as live and let live, then come back in for a touch, you might hit some friction there. I know anyone who has tattooed me has no problem doing free touchups IF you follow their directions for aftercare.. If you disregard their professional opinion, I'm sure they will touch it up, but at a price.
As far as my one personal experience with this, I can say. I've modified the last 3 summers to no pools, direct sun, oceans, beachers, etc because I invested some serious cash, time, pain and my artist's time into my tattoos, and until I'm done healing them all, I will keep doing that. Yea it can suck but I also don't want a wrecked tattoo.