Mutation rate (a combination of UV-induced change and transcription error) is extremely low, c. 10 (superscript -8 to -9) - and mutation can affect any cell, not just gamets.
I didn't understand this in your paper, and I don't understand it now. When you say the "mutation rate" is "10^-8 or -9", 10^9
what? Mutations? Over what period of time, per what reference frame?
Page and Holmes' "Molecular Evolution: A Phylogenetic Approach" - a standard text in the field - says "Mutation rates are notoriously difficult to measure directly," so I wonder from what basis you're claiming this measurement. Furthermore, it cites a figure of 10^-9 synonymous substitutions (aka "neutral mutations") per base per year as a general figure for eukaryotes.
Is that the measurement you're referring to? With a human genome consisting of over 3 billion base pairs in every cell, that's between 1-4 synonymous substitutions per cell per year, which would add up to a considerable number of mutations by the time an organism is able to reproduce, even discounting somatic cell mutations. While it's been abundantly clear for a very long time now that mutation is not the primary motivator of morphological variation among individuals, it seems premature at this point to assert that mutations are so rare that they have no place in explanations of the origins of biological novelty, as you seem to be doing.