I would never live in a place where I couldn't legally work on my own house! If feel sorry for those of you who do. If all licensed professionals were equally competent, honest, and not totally closed minded, it wouldn't matter so much. It's not always (just) about saving money, but that it's often easier to do it right the first time yourself. (no disrespect to anyone on this forum intended, BTW)
The other day, I had a contractor install refrigerant lines in preparation for central AC. When I asked him to run nitrogen through the lines while brazing, he went on a long rampage. If he'd said something like: OK, that wasn't in the quote, but I'll do it for another $20 or $50, then I would have been much happier... I'll have him install the condenser unit when I'm ready (EPA card required) and he'll be stuck replacing it if it fails due to crap in the lines...oh well.
Permits are a pain sometimes, but it sure is nice to have another set of eyes to look at things.
The only problem I have with inspectors is that they leave when I ask too many questions!
Great discussion.