The point of the article (and any similar advice) is that 4 is not possible

But, 4 is possible.

After Salinas v Texas, you must positively assert that you are exercising your right to silence, not simply remain silent.

The prosecutor in a murder trial argued, at trial, that silence of the defendant (during police questioning) was evidence of his guilt. The supreme court in Salinas v Texas allowed this.

* The defendant also selectively answered some questions, so perhaps there is nuance, but to be safe, a positive assertion of right to remain silent seems prudent.

IANAL, and would love if an actual lawyer would comment on this.

The police couldn't creatively turn a five-minute interaction into my day/week/month getting wrecked? You can be held for ~2 days without charges being filed, right?

If they wanted to do that, your chances of "I talk, and it screws me" are pretty high anyway.

Also, don't take my word for it - here's a US police officer saying the same thing: https://www.youtube.com/watch?v=d-7o9xYp7eE (skip to the second half)

He wouldn't talk to police.

Losing days is better than losing decades.

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Convicting you of a crime is not possible. But there are many, many ways in which you can be screwed, from forcing you to spend a weekend in jail to having a prosecutor offer you a plea deal that you can't risk refusing.

The police have a lot more power in any encounter, and there is no way to avoid having them make your life worse. About the only truly concrete advice is that if you are guilty of something then you absolutely, positively must get a lawyer before saying anything at all. The magic words are “I will not answer any questions without my lawyer present,” and any variation from that exposes you to the risk of the police creatively misinterpreting you.

The magic words can help you beat the rap, but they cannot help you beat the ride. If they decide that you are going to jail, then you go with them, and nothing you say or do (or not say or do) will prevent that. And you will stay there until your lawyer shows up.

It absolutely is. In theory, staying silent or getting a lawyer shouldn't hurt you in court. But it could lead to the police focusing their investigation on you and/or making your life difficult.