Lilmod,
My point was not that nobody holds that you have to cover until the knees regardless of community standards, as I said this is implied (strongly, but not quite explicit) in the Mishna Berurah. My point was that the Shulchan Aruch (Mechaber and Rema) and many other earlier halachic sources do not hold like the Mishna Berurah.
So you are incorrect (and TRUEBT is right) in listing your 4 items of tznius as being “according to all opinions” and communities that have more lax tznius standards than ours have amudei olam upon which to rely.
Only number 3 on your list is close to “all opinions” (it is required according to 99.9% of halachic opinions).