I totally agree with you about dividing up habits. I would probably work on my diet by meal.
As for your second point, whether or not one should be concerned about slightly missing the target is a personal matter, I guess. For me, I would be tempted to cheat if I allowed myself to get away with slightly missing the target. The consequences of cheating with my methodology are also unequivocal: the trial has to be restarted - this stick has provided me with motivation when I've felt like packing it in. That said, some will prefer a more flexible system, which may be more practical on a day-to-day basis.
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