I disagree with your treatment of statement #5. It's hard to explain directly why, so let me analogize:

Humans aren't perfectly rational. However, we can strive to be more rational, even though we as humans can never reach perfect rationality.

Now, replace "rational" and "rationality" in the above with "moral" and "morality" and therein lies the reasoning. To say that you could be doing more for charity, or you could be nicer to your fellow man, &c., is exactly saying that you could be more moral. But this "could" is in a purely abstract sense; humans are exactly as moral (and as rational) as they can by given their own brains.

Thus it is written:

If you feel that giving 5% of your income to charity isn't enough, and that the moral ideal is 10%, try giving 6%. Make the best choices you can make with the willpower you have. The choice isn't between giving 5% and 10%; you don't have that much willpower in the bank. The choice is between giving 5% and 6%. The better choice is 6%. Now you've made a better choice; feel happy. Feeling guilty about not having willpower doesn't contribute to the development of willpower. Rather, try for the proper exercise of available willpower, and the slow reshaping of the self that results.