I agree that Minecraft is a force unto itself, but there are more indies than you think that are making a decent living. I keep in contact with a number of them, and I even know one other than Notch who turned down Steam. Can't say who, but he's doing fine on his own without them. Granted, I think he'd be doing better with them, but still.
Anyhow, I think your points are valid, but I don't think they particularly apply to us. We aren't trying to be the next Mojang, and our development practices, etc, are just as long established as theirs (AI War 1.0 and Minecraft's first public alpha having hit around the same month -- May 2009). Minecraft obviously sold incredible amounts and isn't even 1.0 yet, but there are a good handful of other games that have sold 5 figures numbers of units in preorders during beta periods. In the case of, say, World of Goo that was more money during their beta preorders than AI War has taken in through two years and four expansions. And AI War's north of half a million dollars in, now.
So I was really just saying that it varies, and some games get carried along during beta in a fashion that means there is less rush to 1.0. If we found ourselves in that situation I think we'd keep developing the game at the same or higher rate compared to normal, but we'd push back the release date some to hit the ideal time and to really let the game get huge by even 1.0. For players, I think this is only a good thing.