This part is just known, though: the usual "close enough" standard for core temperature is an anal temperature and everything else you have to adjust. (Everything else you say I agree with, though.)
(For what it's worth, my local hospitals use ear canal temperatures for diagnostic purposes.)
1. If the ear temperature are consistently wrong (systematic error) it is very easy to debias them and they become equivalent (modulo random error) to anal temperatures.
2. Perhaps cephalic temperature is a better diagnostic tool than gut temperature to evaluate the effects of fever? After all, the brain is a more sensitive organ than the butt.
The more time I spend on the internet, the less certain of this I become.
But in the end, I want to get to the point where you are, using a rough rule of thumb. I'm just taking the evidence-based route there!
Indeed, this pseudo-accuracy seems pointless.
The only relevant conclusions that taking the temperature can deliver is whether, a) there is no fever, b) there is a mild fever not requiring major concern, c) there is a major fever and extra care needs to be taken. No one in their right mind would classify these differences based on sub-degree differences in temperature.
Instead of just giving temperature, a thermometer could say "there is a 70% chance that your immune system is more active than usual" etc
Of course, small additional data points like "i'm exhausted and coughing more than usual" increase the confidence of the result by orders of magnitude over just temperature...
We use both high-quality ear canal and anal thermometers, and while we have enough statistical grounds to unbias their results compared to each other, there remains significant variance. I.e. if we use an anal or ear canal thermometer makes temperature vary ±0.4 °C.
Then how sloppily you take the measurement with the same thermometer can result in a ±0.2 °C difference for the butt, and ±0.6 °C for the ear canal.
Of course, the time of day we take the temperature can give us a ±0.5 °C difference, and the activity level of the person something like a ±1 °C difference (we don't have as much data on these last ones, naturally.)
And all this is before you bring in the fever! So all of this we consider normal.
Basically, in our experience, anything below 38.4 °C could just as well be caused by any of a number of non-fever conditions at something like a 90 % confidence level, so unless there's a strong prior of fever, a "non-normal" temperature reading on its own is a fairly weak signal.
...which brings me to my final point: the prior ought to strongly affect what counts as normal temperature, but all of this discussion ignores it.
There's also the question whether you prefer false positives or false negatives when it comes to fever detection. My impression is that the medical community prefers false negatives, i.e. pretending that people with a low fever are perfectly normal -- but a lot of private persons I talk to have the opposite preference: they would prefer to think of someone as sick even though they are healthy.
Like any good medical test, you pick a threshold based on what probability you want for false positives and negatives, and you weigh the prior into this judgment. Just investigating what an average resting temperature with a particular measurement method seems to me silly.