I see your point and agree with you. My main motivation for obtaining a permit was for resale reasons. It does sure help to have a general knowledge of how certain things are done like framing, drywall, electrical, pluming etc. But for the things that some people like myself don't know anything about it provides me with some insurance that the person doing it is somewhat competent in what they are doing. My example is the kid I hired to do my job initially wanted to and was going to do the electrical also. While he is a licensed and insured builder is is not a licensed and insured electrician. He know about as much as I do when it come to electrical so when it comes to wiring a 220v line from the main panel to the basement and adding in a 100 amp dub panel in the basement neither of us had a clue. I had to hire I licensed electrician to do the job and none would even touch it unless the entire job was under permit. Yes this is a big and daunting task! It took me months of preparation just to get started on this project. I do see your point and agree and until recently I was all against and didn't see the need for a permit. It has been a learning process for me and i'm still learning! You are so right that it's a challenge to get through this and by no means an easy task to take on!