Well, for one thing Choe is a whale and not an elephant, for another Kommamaru isn't Ikkaku's captain, and for a third point that sequence of events depends entirely on the potency of the trump card and strength of the captain. Allon in particular is nasty enough to take down the weaker captains even if they step in when he's already out and rampaging.
Your first two points don't matter for the example; The point was people were saying that Cero was a way to punch up and that was what we needed more then raising the base because we would only be fighting Captains. My point was that as a Fraccon we shouldn't be fighting Captains and at this point we can't beat pears without our trump and pulling Captain level attacks on non captains is a good way to draw those captains we don't want to fight to us.
I then pointed out that Allon is a captain level ability used by a Lieutenant which drew a counter which crushed them because one ability does not make them equal to a Captain. Where if they hadn't used Allon they could have continued the fight without interference and even if they lost Harrebel would have had more time to rescue them.
Yes you can say that Combat arts lets us fight a peer but it still says not instantly lose.