Good article, I can understand where your coming from, don't entirely agree with it though, not many guys can lose a lot of the time and still be considered a top contender, Chris Jericho has somehow mastered it, he has spent the majority of the last 4 months jobbing out in singles matches yet he managed to walk away from the Elimination Chamber as the Champion of the World.
I believe that Wrestlers of a certain experiance could lose cleanly without it harming them overall, I don't expect guys like The Undertaker or Triple H to lose cleanly all the time but if they lost cleanly now and again to certain guys it would give those guys such a rub, I think The Undertaker has only lost clean twice in the three years I've been watching again and that was to Jeff Hardy and Valdimir Kozlov, even then Hardy's match was a gimmick match, it was before Hardy won his first World Title though and it really made him look like he was seriously credible
John Cena is another one who could lose clean now and again, it would do his character more good than harm, I don't care if it comes over as a fluke, to see guys look mortal against underdogs helps build these undercarders and also helps build long term character of guys who have lost, seeing them NOT make the mistakes that might have cost them the first time ect...
There are guys I'd leave as strong not to be pinned under any circumstances though and that would be World Champions, if they lost I'd have them DQ'ed or counted out, if they lose a tag match have their partners take the fall, but I'd never give World Champions pin fall loses unless it was for the title, Champions need to look unbeatable and the guys who beat them need to look special for managing to do it