If the AHJ won't give a written "exception or variance from code, If the
Arch. Won't provide indemnafacation and hold harmless, if the EOR won't
provide the same, or if the GC, PM or DB contractor won't indemnify and hold
you harmless, your pockets are the one's hanging out there. How deep or
shallow they are depend on your coverage and net worth.

There's many reasons NFPA 13 is a "MINIMUM" and not "All that required".

If your risk averse, you've gotten into the wrong trade. Having said that,
there's never a good reason to multiply that risk, for the financial gain of
others. 

Leaving protection out doesn't benefit you the contractor.
Reduced area/density designs (3000sfvs1500sf or less) at bid, doesn't
translate into profit.
If your risk increases, so should your price. (Reduce my risk, I'll reduce
your price.)

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