If we want to split hairs, its all commercial. I am not arguing that the dog advertising photos are more commercial than a pet portrait, they are. I just won't be able to charge them, what I charge a magazine for a cover advertising issue. They will not buy it. Plain and simple. I can get $1200 for one image from a magazine and if I COULD get that from a dog owner, it would be awesome, but, I can't. I'd sell zero.
You are correct in theory, but, right now, a fair price for the market works for me.