I'm not sure I understand your question, but let me try nevertheless...
In the context of introductory QM textbooks, every state is a superposition of the energy eigenstates.
If ##H## is time independent, then in any state $$\frac{d}{dt}\langle H\rangle= \langle \left[H,H\right]\rangle+\langle \frac{\partial H}{\partial t}\rangle=0 \quad,$$in accord with your calculation in #3.
So if that was the whole story, the excited levels of the Hydrogen atom would have been stable too, as you've noted (no transitions). But in reality, there is more to it. Especially the interaction with radiation, which is usually totally omitted (for a reason) from the first discussion of the Hydrogen atom. When this interaction is included, along with other higher order corrections, ground states are more stable than the excited ones.