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You may well go :-( !
It's funny you mention the stubs. It's a real bugbear of mine. I mean, what you say you're doing isn't ideal and it may cause other sorts of problems, but at least you aren't just throwing them down on the pavement as so many other smokers do, which strikes me as moronic. I had an argument with 2 colleagues about this, who irately defended their habit of throwing the stubs on the pavement. Defended it, actually getting all riled that I'd expressed annoyance at it! And one of their defences was the "I might set fire to a bin" line that you mentioned. I suggested to them that as experienced smokers, they should be well versed in stubbing cigarettes out. They countered this with the notion that if the bin doesn't have a stubbing-out plate, they'd have to do it on the normal bin surface and this, er, might harm it. Touching though this concern for the council's street furniture is, it's a pretty lame defence.
But yes, the gist of their retort was "What else are we supposed to do?" Anyway, yes you're somewhat redeemed by at least bothering to put other litter in the bin!
I'm kind of hoping for someone to come on and shamelessly admit they litter, that they don't care, and to at least explain why. But it's unlikely ayone will.