don't know about the pins, but
I've cracked open a px7 disk, and can tell you that there is a flexible rubber gasket that holds it in place. You're right about how they get placed in there rather crooked, but the rubber wouldn't hurt the disk. While I suppose the front could get scratched if rubbed against the inside plastic, the rim protects the disk's surface--whether that's true on the pins I don't know.
And yes, grading on the disks has become a flat-out joke.
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