I agree with mlk. NO one is working under my permit, especially a homeowner.
I do my rough-ins the same way, but I DO NOT make up the panels with breakers.
A trained monkee could device out one of my roughs.
Why are you guys doing new construction T&M. I can see doing T&M for a friend or relative, but for new residential work contract is the only way to go.
If a homeowner tried to pull that on me the first call would be to my inspector explaining what is going on and that NO ONE but me is to file for a final. If the H-O wants to drop me let them get their own inspection from scratch.