I agree with all 10 points. At the end you said " Apart from the above, India is an incredible place and I have never regretted, even for one day, to have settled here". I wonder why? What is that made you settled here? Don't you miss the western comforts?
About the discrimination -- it is everywhere my friend, even in the United States. They may not charge you extra dollar if are a non- white, but people on several occasions make you really unconfortable if you area foreigner. I really want to know why you settled in India.