Excellent write up. I think there are different kinds of pain and we’d need to measure to account for that.
When I’m at the BDSM club the women generally want and can take more pain. (Some guys are totally insane though.)
When I’m in my gravel biking group it’s very much the opposite. The dudes will slide down 20 ft of gravel and their legs look like someone took a cheese grater to them. They have a laugh, hop back on the bike, and finish the ride with blood in their shoes. The ladies generally take a little spill and loose a little skin and they are crying and want help walking their bike back to the car. (Some chicks are hard as nails though.)
Public price lists from each studio’s clearing house. Licensing becomes like fuel at the pump. Doesn’t matter who pulls up they’re all paying the same rate.