So my question is, how long does that member have to be there until you can resort back to a regular tenant?

Regular updates and transparent reporting are crucial.Performance Metrics: Set performance metrics and review them regularly.

Unless a guest smokes regularly or heavily, our ventilation and air filtration is such that our cleaners have not yet alerted us to undeniable smoking, etc.Would love to hear what others use and their experiences with Minut as well (since in part, I went with Minut based on what I read here about the other alternative- NoiseAware).

But we can afford that (our current bay area home is paid off) and we have a regular income & no other debts.  

Nope, but I do see them regularly.

I had a place like that who wanted $800 to replace a fan motor that I would usually pay my regular guy $350.  

You need to develop and stick to a much more stringent screening program to avoid this becoming a regular occurence.

You need more space and more safety than say, a regular single male would.

This was about $1,000 more than I accounted for in my insurance numbers so I'm wondering if I really need this type of policy or can I just get a regular homeowners insurance policy?

Experienced contractors regularly have to add change orders once they get started because things arent always the same once you start doing the work.