Our last survey had "Essential Repairs" and "Recommended Repairs". For instance adding GFCI outlets was an essential repair so we did that right away. The insurance contract referred to having "all recommended repairs" completed and we balked at that. As an example, the surveyor had recommended that we "re-bed deck hardware" which makes sense enough over a period of time, but it is a major job to get done and there was no urgency to it so we worked it out with the insurance company that this would be done later.
I think its just one of the myriad of issues you have to navigate as a boatowner.
Twenty years from now you will be more disappointed by the things y%^&*.....oh never mind. 90% of the people on sailing forums already use that as their signature! I'm not a conformist.