I totally agree. I'd much rather spend the few extra dollars to be safe.
I even install separate GFI receptacles instead of using 1 GFI to protect the downstream receptacles. That way I never have to worry that a single failure could compromise the protection in multiple locations. It costs a bit more, but I can sleep better at night.
BTW, I've only heard of 1 instance where an AHJ rejected an installation because it exceeded the Code minimum requirements. IMHO, he was just being a jerk.