It's not that simple. A disclaimer can only be read once the "theft of traffic" has occurred from confusion of the brand name. While fair use can be a defense in some cases, when you are talking about a domain that a large trademark holder doesn't want you to have or use, you can wind up spending hundreds of thousands of dollars to prove "fair use" - and if you win, you get a domain that can't be used commercially to produce revenue and you are out attorney fees. If you lose, you could be ordered to pay treble their legal fees (in addition to their own) AND damages. Fee people would want to spend that kind of money to keep a domain they can never profit from. A domain like "microsoftsucks" would be different, because a consumer isn't likely to believe that it is a microsoft operated website and the usage would have a free speech argument. The OP's domain is a lawsuit ready to happen. Very easy to make an argument that a consumer would see the domain name and might believe it is owned by the trademark holder.
Yes, you are absolutely right, trademark issues are never that simple but the commercial intent can trigger the legal dispute faster than what it took me to write this post, while forums or editorial reviews are less likely to cause trouble.* * Disclaimer. I am not a Texas licensed lawyer and this opinion should not be considered legal advise.