Last year I was willing to let a 3 month long  house sale fall through for $120 I thought the incompetent buyers agent and lender were costing me by unnecessary delays putting me into a 4th month.

However, after the current residents said they didn't think it was safe and didn't want it I started wondering if I was creating an unnecessary liability for myself, i.e.

I didn’t ask you for unnecessary input.

One, as a "matter of principal" because he feels it is wholly unnecessary. 

You can tell pretty quickly if they are professional.A monthly exterior inspection is manageable but quarterly inspections are unrealistic and unnecessary.

Seems like an unnecessary expense. 

I have seen plumbing companies quote unnecessary work on several occasions.

I don't know how your house is built but if it's stucco don't let someone sell you on the idea of cutting back all the stucco to replace the windows... this adds A TON of unnecessary cost to the job whereas a type of window called a "flush fin" will work in this scenario (the new window slides inside the frame of the old window). 

This may be obvious, but do you have a pile of unnecessary expenses every day/week/month?

I would consider a hard money lender a unnecessary risk.