But a secondary relief valve set at 100PSI is just too easy for anyone to understand.
I, and others, totally understand that this would take care of the inevitable expansion created when heating water. That is not the point. Your 'solution' would regularly dump a little water somewhere. There is no need to dump that water. Plus, most of those things aren't designed to regular releases - especially if you have unsoftened water. Just like the T&P valve is not designed to be opened regularly to dump pressure from a closed system every time the WH turns on. An expansion tank is designed to take that ebb and flow of pressure variations on a daily, nearly constant basis. Yes, they do wear out, but they work for quite awhile without wetting things and wasting water or putting excess stress on the plumbing, valves, hoses, seals, etc.
If 80psi is considered the max safe pressure in a household, why would you regularly want it to get to your 100psi? A true closed system will rise enough to open a T&P valve at 150psi (or your 100psi with a relief valve), and an expansion tank will keep it at the regulator setting, never wavering.
Nice, even pressure, never getting above the prescribed maximums is what an expansion tank does and is what is called for in the plumbing codes and common sense which you seem to lack.
Now, if you want a secondary safety relief valve, by all means, install your relief valve. In a properly working system, it would never open and not have mineral deposit problems. And let's not get started again on a bypass in a PRV...all it does is limit the house pressure to the street pressure. The goal here is to maintain the desired PRV settin, not let it get to the street pressure ever again, especially not on a regular basis.