Ok, well, gee, thanks. Tho, I'm not an Inspector, only an Industry professional, with a small "p".
A question for you then.
Much of the "stucco" seen in the SW U.S. is of the thin-coat (3/8-1/2") variety. Products such as Western 1-Kote, and other variations of the same theme. There is an ongoing battle here over whether this is actual "stucco" per se., but I don't want to pick any more nits here...
This system is usually stapled onto wood framed houses using a 1" thick T & G foam board over a grade D vapor barrier, and 20 ga. woven wire lath. The base coat is then applied to the nominal thickness mentioned above and finished with a 1/8" thick finish coat, that may or may not get painted. Sometimes integral colored finish products are used.
The question revolves around the presence of the foamboard, and the value it lends to the overall strength of the system. Does it provide a degree of "flexability" to mitigate the minor flaws of a wood substrate, or is that a myth?
We see a lot of hairline cracking that is becoming the standard of the industry, as most are less than the width of a dime, and thus fall into the "acceptable" range of most code enforcement agencies. Nevertheless, it is unsightly, and can be quite extensive depending on many, many factors, some of which you listed. I have been involved in some forensic testing on both 1-coat and 3-coat systems, and the issue of oversanding is always a concern, as is the hydration method, as well as the physical properties of the aggregate used. (sand). I would be interested in any comments you may have about the leading causes you have come across in your practice.
Thanks, in advance.
j.