"More then once I burned a loading wire.... over the years I had that configuration." The solution for this is a wire cage as it does most of the radiating rather than the tower itself. It is also easier to feed with a simple network especially if you find the sweet point tap.
The problem is the voltage at the top of the tower. A cage does not guarantee the voltage would be zero, because the Yagi would be up outside the cage. In a similar fashion, an Inverted L would not guarantee no damaging voltages.
Floating element antennas are often some sort of issue. I would never build one floating that way, if for no other reason than insulator failures from external common mode.
73 Tom
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