Joe I agree with you about having everything in place upon final, only way you the inspector knows it is correct. In Michigan the Plumbing Inspector will not sign off until the electric water heater is wired and energized, so they can easily see that it is plumbed correctly. So should be the rest of the house as applied to the different codes such as return air to the furnace hooked up correctly. The problem comes usually with the homeowner running low on money at the end and holds off on dishwasher, instead of over range micro just a range vent then for the bedroom ceiling fan and light just put up a keyless for now and the homeowner will replace in a few years. Then here is another thing that hasn't been mentioned some inspectors do not becomed paid until final is done and occupancy permit is given, could make the boat payment this month.
