Thanks for this brilliant review of what remain one of my favourite buildings also.
Just to play devils advocate for a minute a number of apparent contradictions you bring up in your review could be resolved by reading the building in Baudrillard’s Postmodern way.
Lloyd’s actually really is an oil rig or rather an insurance rig. It symbolises the Lloyds market much better that the clasisist buildings it replaces. The image of the old fashioned, insurance man or banker is actually the fake and the ‘oil rig’ the real Lloyds. It expands or contracts with the ravenous market it houses. Sometimes growing in good times when it hits seam of easy insurance money and sometimes almost engulfed by the waves of unforseen risk like a huge wave of asbestos litigation for example.
The insurance men living the lie of the stuffy responsible reliable middle age underwriter naturally rebel against this exposed reality and seek refuge in keeping their trinkets, a bell here, a dining room there, all struggling against the deep truth they can barely acknowledge…that this unsatiable market and indeed themselves are perfectly represented by Rogers’ design.