I'm aware I'm transparent and that's what causes me the issue. Let's say someone decides to dump 300PH on this pool until they find a block, then they have bad luck and it takes them 10x the normal duration and on top of that something goes wrong on the pool and they don't get a block. They are now down 10x6.25BTC's worth of mining and demand at least one block as reward. I have no intention of ever forking out that much money again for an error or problem. I wouldn't expect the community to fund it either; how would you feel about trying to find 6.25BTC amongst the community just to appease them? Should I just tell them "bad luck shit happens" and join the reputation of the big pools?
Your being too pessimistic.
The situation that you described, could happen but its very unlikely.
And no, no one will blame you, its just as you said, all the pools have flaws, but they just keep it a secret.
Or lets say, the same situation you described happened with somebody, but they got a stale block... yeah shit happens.
But atleast they had a chance, that hey were willing to take, to find that block.
And on the other hand, think about those small guys, that keeps finding those blocks from time to time, and for some one its a game changer.
Maybe let this pool run, if there gonna be another server issue you can take it down, if you want.
But for some reason, I believe that you're pool will work great, for the coming years, without any problems.