The thing is though, as you said, it's my personal iPhone. If I want to be able to install an unsigned app I should be able to. There should be ways to dissuade the non-technical people but my feeling is it is my iPhone so I should be able to do as I wish.
Nothing against you personally, but since you get the same iPhone as the non-technical folks, some compromises have to be made, and they ain’t gonna be in your favour.