Taking into account everything you said, I can't see why you would propose so much more work when you know that your competition will come in and do a solid, code compliant installation for literally a fraction of the cost.
As for the out of work union men working for beer money, what about all their other expenses? I'd like to know where I could live and only have to buy beer :grin: But I wonder, is it only union men? Truth be told, the union has a very low market share. Also, there is no credible evidence to say that the unemployment rate of union electrician is significantly higher than non-union electrician. So let's be fair and accurate, remember that there is a greater chance that the guy under-cutting you is an out of work non-union electrician.
After giving the situation some thought, I called and asked 3 different electrical inspectors in three separate towns/ cities (all of who know me well and know that I 'respect' their position and authority as they have the final word). Every one of them told me the same thing, if I were to install an outlet in a bathroom, per their interpretation of the code, it would have to be a 20 amp circuit, and a gfic outlet , no matter how far from the sink.
As for the price of a job and the work involved, I do a lot of 'old work' and I would be the first person to look long and hard at how to do a job at a reasonable rate and NOT have to do any cutting of holes for fishing wire if it is possible to avoid. However, in my opinion, there are certain areas of a home where the inspector will want some thing that may be beyond what anyone interprets is a code requirement.
I have learned (while working as an apprentice) that it costs more to re do something when the inspector fails it, no matter what you may think is the correct interpretation of the code. Again, just my opinion, but those three letters AHJ tell you who is going to make your day or break it, no matter how you may interpet the code.
Thank you for the dialogue.