What you do sounds sensible and is similar to my workflow, but strictly speaking, this doesn't reduce noise ('apparent grain') in the image. It does prevent artefacts introduced in the scanning process and those resulting from resizing an originally large image to a smaller format. I'd call that avoidance of part of the problem, and not reduction.
What I do agree with, is that avoidance in the sense you're practicing it is perfectly adequate/acceptable for my personal purposes, for the most part, although it depends on the scanner I'm using. I find that some degree of noise reduction is sometimes preferable on scans I make with the Flextight, but not so when using e.g. the flatbed scanner. See (again) the examples I posted earlier, which demonstrate how much of an impact choices in scanners have on the phenomenon, and thus, digital workflow decisions will need to keep these into account. Thus, I wouldn't state that one approach would be 'best' for any given situation.
In general, my workflow focuses, like yours, mostly on avoidance of excessive compound artefacts and overlaps with your choices:
(1) Disable any sharpening or detail 'enhancement' options during scanner, insofar as possible.
(2) Apply unsharp-masking only to the final image, after any other editing, in particular downsampling.
(3) Adjust unsharp-mask parameters to the structure of the image. Key parameters are indeed radius, amount and also threshold (which I often leave at 0, but not necessarily always).
I think it depends on the material you start out with and the end result you want to arrive at. So no, I don't think it's possible to suggest a single type of shoe that will fit any given foot on the planet.
Look at the examples I posted in #39 and tell me what part of the noise you're seeing is grain, and what part is digitally-originating noise.
Your Minolta scanner is a fine machine, but as I said in #42 this is not about whether a scanner is any good. The fundamental phenomenon that the noise you see in the image is the sum of all aspects of the preceding imaging chain. The statement that you could separate them out is akin to arguing you can mix two colors of paint and then sort them back out while viewing the painting.