Oh don't get me wrong, I certainly would prefer a non-smoking religion as you put it, than a smoking one. I went through the terrible process of getting someone through a double-lung transplant... someone who has ruined their own lungs from smoking at the age of 47.
I think what I object to is arbitrariness of it. I think many others will also object to simply creating hard and fast rules around it. If its indeed a "principle", let it stay a principle without being enforced as a law. "Attention, this is the elders! Put up your hands and stop smoking in 6 months!"
As for insurance companies looking at your lollipop consumption; if the insurance companies thought they could determine liability via lollipop consumption, they would examine it. Besides which, they already check into weight (a general indication of a lollipop consumption) Per my link earlier, obesity has overtaken smoking in causing heart disease.
ackack