A lot more than pure speculation. It is a considered opinion. And yes the SEC has given guidance and following that guidance is defense. That guidance was given so early because the SEC knows these sorts of coins are not within its ability to govern or fine.
BUT SAFE is not a security so it is not under the ruling of the SEC. There is no definition in USA law that puts MAID into a security.
So you can be worried. Personally I am not. Decentralised has no effect of any of this since the SEC does not worry about it. So we cannot do anything to change any future rulings by the SEC.
BTW since MAID is many times less a security as what BTC would be considered why then should MAID be an issue when the SEC has not considered BTC as an issue?
Anyhow there is not much more to say since you are dead set on considering the SEC as some authority that controls itself and can ignore laws and definitions.