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This is something I've never seen before.
The steps you took are pretty well the same as what I've been doing for several months. I've not had this problem (so far), even when logging in from my own IP address. However, the system might have changed recently because of the launch of the international Kindle.
Here's my suggestion. If you go to the Manage my Kindle page, you'll see there's a new entry there, headed Your Country. This is where you can tell Amazon which country you live in. I'm guessing that the address you enter there does not have to be the same as your credit card address. You could try entering your home address in Belgium (but leave the credit card alone), and see if that makes a difference.
Assuming that works, you'll be faced with a new problem. Not all books in the Kindle store are available in Belgium (but about 290,000 are available, which is slightly more than in UK). So it's possible that the particular title you want will still be unavailable to you. You can check that by going to the Kindle site without logging in and without trying to hide your Belgian address. Browse to the book you want to buy. If there is a price showing, it is available to you; if it's not, you'll see a message to that effect. But you'll still have to go via your normal Kindle account in order to buy the book.
If you do decide to try this, please let us know what happens.
By the way, you said that you were keeping your purchases under $5 to avoid a credit card check. I didn't know there was such a limit. I've bought several books for more than $5 without a credit card problem.
One final point. I see you were interested in buying a Mark Twain collection. Did you know that all Mark Twain's works are available on other sites, many of them free. I've downloaded several from FeedBooks, for example.
Hope the above is useful.
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