As I said in the original post, the easy answer is "no overhead environments without training". But that isn't what happens, out there in the real world. People go dive the Cathedrals, or do swim-throughs in Cozumel. I swam through the bow portion of the Rhone as an OW diver, and I'd have a hard time telling someone that that's a completely unsafe thing to do, although if somebody panicked in there and tried to bolt, they'd be in a world of hurt.
I think some environments are more benign than others -- multiple exits, coarse sediments, lots of ambient light, minimal distance of penetration. Your idea about not carrying lights isn't a bad one, since all of the "benign" places I can think that I've been were easily dived without a light.
No overhead without training may be the easy answer, but in light of what has been happening recently, what other real options is there to minimize the risks?