I could be wrong about this but I think only BT and Kazaa would count as p2p. mIRC and Streamload should be safe to use. And it's totally inhuman of them to inflict those rules on you!

But how will they know, anyway? Kazaa Lite has some excellent options for staying hidden... If you don't install it into Program Files and don't leave any obvious traces, like Kazaa icons etc, it shouldn't be a problem.