Well done and absolutely correct.
Unfortunately, it doesn't get us out of obeying speed limits, homeowners associations, obnoxious employers and other irksome rules that don't contradict God.

This is where more discussion is needed.

Here's a short series I posted about the exceptions (or "loopholes") I could think of.

Bearing the Sword

I'd love to hear your thoughts on them.

For example, if a street gang or crime boss becomes the de-facto government in your neighborhood are they not in control for the same reason as your provincial or national government? If any of the three makes a demand on us that is not in conflict with God's commands, are we not obligated to obey them? If not, what makes one more legitimate under Romans 13 than the others?