I'm at a loss between regulations
§91.146 (Passenger-carrying flights for the benefit of a charitable, nonprofit, or community event.) and
§61.113 (Private pilot privileges and limitations: Pilot in command.)
§91.146 contains language that allows a private pilot (who meets 500 hour requirement, among other items) to operate as PIC for a charitable event. The language emphasizes that if the event doesn't meet the charity requirement, it is to be considered commercial.
Do these restrictions under
§61.113(d) apply if a pilot is willing to PIC under the criteria of
§61.113(a) and cover all expenses of the flight?
§61.113 Private pilot privileges and limitations: Pilot in command.
(a) Except as provided in paragraphs (b) through (h) of this section, no person who holds a private pilot certificate may act as pilot in command of an aircraft that is carrying passengers or property for compensation or hire; nor may that person, for compensation or hire, act as pilot in command of an aircraft.
(d) A private pilot may act as pilot in command of a charitable, nonprofit, or community event flight described in §91.146, if the sponsor and pilot comply with the requirements of §91.146.