Your #5) policy is stupid because it defeats the purpose of your class. The purpose of a class is to teach knowledge and skill to a certain level.
The purpose of the exam is to test whether the students acquired that level.
Your punishment would require students who are suspected cheater or are disruptive to need to have a higher level to pass the class and that is wrong. Either you have the level or not.
Suspected cheaters should be investigated and disruptive people should be dealt with.
Don't throw the integrity of your grading out of the window.