If you are discussing "formal" from "informal", you would be hard pressed to find where that occurs in the New Testament.
I can't recall Christ ever presiding over a formal gathering during his mortal ministry except for possibly the last supper (a passover feast), nor is there one recorded in Acts. There is no proscribed worship service in the NT, there are no priestly vestments described, there is no building layout, and there is no furniture described (all were described in detail in the OT).
In contrast, many of these meetings were held in houses that were in fact owned by women.
If you look carefully you will discern informality from formality. Contrast Paul's rules for public teachers in 1 Tim 2:11 as against Aquila and Priscilla tutoring Apollos privately at home. Contrast Paul's rules for bishops in
1Ti 3:2 with the practice of having female workers for the gospel, and again with the formal apostolic grouping of 12 or 13 males.
So in 1 Cor 14 Paul is alluding to the highest church assembly, the whole church. Doubtless Christians met all the time in smaller groups, when such formalities were unnecessary (cf. the four daughters of Philip who prophesied).
You are extrapolating the idea that just because somebody is speaking, then they are the head of whomever they are speaking to.
In a public setting this would often be the case. But there is more: in the ecclesia, being the whole church, it couldn't have been right for women to displace males. So if you have one hour, and women take up 1/2 the time, then that leaves a lot of males who have been displaced by females. So females are seen to take precedence over the males who didn't speak but could have.
Since the man is the head of the woman, the man gets to speak in the ecclesia. It's that simple. I know some men enjoy being taught by women but they are generall wimps.
It is disgraceful for a church to have female pastors. She is displacing the male and taking precedence over him and reversing the natural order of roles. It's not good, and nearly all female led churches have declined into moral and spiritual bankruptcy, just as males who have no father figure often have many issues in life.
Where in the supposed chain of command in 1 Cor 11:3 does this person sit? If you believe them to be your head (presuming you are male) when they are speaking, that would be an interesting proposition to defend.
You are trying to reduce this to absurdity.