I don't mean to be disrespectful, but unless you can come up with an example where a manufacturer actually tried to pull this, I think you're just fear-mongering. Assuming that you don't physically damage the loader, or overload it, or something like that, I don't see how it matters whether I punch the pins, take the bucket off, and put on a pallet forks, or a trailer mover, or a QA plate. Whether there is a QA plate between the bucket and the loader pins can't, in any sane world, be a deal-breaker on your warranty. There absolutely is a QA designed for your loader: EA will happily fabricate one from you, for example.