However, over the years there have been several favorable rullings with regard to other structures (especially types of trusts) that have most folks feeling comfortable with this practice.

For buyers or their brokers with well capitalized investors, inquiring directly for verification of a property whether it has an assumable note is good practice while interest rates remain elevated. 

In the hot areas in my market where we are using escalation clauses...it is standard practice to show the first page with names blacked out to justify the escalation amount.

Their marketing practices are very deceptive.

You aren’t a bad person for asking this question.The answer to your question is that there is no practical difference in how they will be as tenants.

I'm a newbie and still practicing doing the analysis and want to see if I'm on the right track.  

Short (practical) answer: No.Long answer: You could, but you will need some unusually great compensating factors. 

Just like you have been trying to get into arguments about there being no GC whatsoever that can be hired to work on a limited scope of supervising a project and/or construction personnel when this is a practice that has literally been going on every day and has been in effect probably before you were born (well, maybe not you!). 

What is the standard practice in terms of amount and terms?

This has become a best practice for all of our homes now regardless of their location.