Actually, based on reading that wikipedia article and the related one on "structuring", it's not clear to me that the scenario I described couldn't be argued to

Actually, based on reading that wikipedia article and the related one on "structuring", it's not clear to me that the scenario I described couldn't be argued to be structuring. The relevant quote is that you may not structure transactions "for the purpose of evading the reporting requirements of section 5313 (a) or 5325 or any regulation prescribed under any such section," and my proposed scheme is designed not to avoid the CTR but rather the Suspicious Activity Report. So I think it's arguable that they could nail me for structuring.