I think the rules you mentioned make more sense in the context of a large philanthropic organization. You should focus on things that make most sense to you. You should give to organizations that are better run and more effective, but that doesn't mean opting for causes you feel no connection to. And if you do give enough to have some leverage, it might be a good idea to use that leverage to get the organization to do a study to make sure there's no room for improvement.
Hope is the denial of reality
Trying to min-max altruism like you're doing any% speed run of of compassion on twitch dot com is stupid. If you want to min-max charity, it has to be done on the collective level or else you can't answer basic min-maxer questions like 'how many does this need vs how much is already allocated'. If everyone used altruism science to identify the most optimal organisation and cause to donate to in order to maximise their altruism points to dollars spent ratio, then we'd be vastly over-allocating resources to that one cause and neglecting everything else.
When the sky above us fell
We descended into hell
Into kingdom come
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