Well, I'm new so I stayed at a Super 8, does that count?!

Seriously, I see your point about "... how far do you want to take 'visual'...."
Of course, I take along a virtual hardware store with me! Light, driver, several pieces of testing equipment. If the inspection were indeed TRULY visual only, my report would probably include the comment, "Yes, THAT is an electrical panel! It looks to be in good shape with recently oiled hinges. Recommend the hinges be oiled once a year." I get the idea. And of course, I understand also that with time and experience comes knowledge.
You guys are awesome. I have learned so much, and I know I will continue to do so.
Thanks.
Bob