Another real world story:
At 52F we have a new RV-4 owner. One insurance company wanted him to log 10 takeoff and landings in tail wheel RVs before the policy became effective. So we could use his plane, but the policy wouldn't be covered during the required 10 laps in the pattern.
Another insurance company wanted an RV checkout from an authorized CFI.
His very nice 4 does not have rudder pedals or brakes.
I opted to use my 6 for his insurance sign off. I suppose a CFI could again ride along, evaluate, and give the thumbs up, but I'm not sure who might want to.
As a new RV owner myself, I am sad to see all the hoops people have to go through just to enjoy their airplane. I just read a great article about the depleting CFI pool and I have no doubt that as people age, there will be even less available instructors to help EAB owner/pilots with checkouts, insurance requirements, and flight reviews.