Point well taken. There have been occasions on my initial test ride where I have found some "slight" oversights:
eg;
Snugged (vs secure) stem
Seat post pinch bolt too loose

I've not lost a wheel yet but I suppose it could happen, and if it did, frankly I would prefer it happen to me that to a customer. (WAY too embarrassing!)
A check list like the airlines use pre-take-off has crossed my mind from time to time. I think I will do one, based in part on your post.