Ok I didn't follow the whole thread, just poked in at various points through the pages to see what was being said.
To answer the initial question: no preventatives don't (readily) kill the adults. They can though (depends on which you use). If you give a heartworm infested dog preventative and it does kill an adult, the adult dies, breaks up, and gets lodged in pulmonary capillaries. Your dog then basically has a heart attack, suffocates, and then dies (which is the common end result of the former two conditions). This is generally only an issue with large numbers dying at once, but that's exactly the problem. A controlled dose of an arsenic compound can more or less control how many die at once. A shotgun blast of preventative could just kill everything all at once. You get the job done, but there's a lot of friendly fire too.
This is the primary reason why the vet won't sell you heartworm preventative past a year without having a test. It's for the good of the animal, and the vet (you could sue the vet if your dog died from meds they sold you without them following 'protocol').
EDIT: Oh forgot, yah you're getting boned on the cost of the test. That IS a money grab. We charge $30 for the test and still get about $10 of profit off it. I'd find another vet.
Because of the lifecycle of the heartworm explained above plus the way the "prevenative" works. The "prevenative" only kills larvae. It kills the larvae that is in the dogs body the day the "prevenative" is administered. It doesn't hang around in the body for a month until the next one is given. When the next prevenative is administered, it kills all the larvae that have entered the body since the previous dose was given. If you give the "prevenative" no further appart than 45 days, all the larvae will die before becoming adult heartworms.
Problem with this is that the preventative sometimes doesn't kill every single microfilarid. Also the preventative only kills two stages of the microfilarid. There's three in the dog (well technically 4 but only 3 that cause issues). To make it simpler, there's L1, L3, L4, L5, and then the adult. L1 is what the mosquito picks up, L3 is what infects the dog. L4 and L5 are what's primarily moving through the dog. Preventatives kill L3 and parts of L4 (this is where it gets dicey). It doesn't
always kill all L4 though, and won't work on L5 at all.
Personally, I think you've just gotten lucky up to this point and you're doing you and your dog a disservice. No offense intended, just how I see it. But I"m by no means an expert on this stuff. The internet isn't either, though.