Not all of KY is like that. Only the bigger cities and their counties. I can still go in and buy a water heater and sign a waiver to get it. Our county requires a septic and electrical inspection only to have permanent power turned on.
Stuckmotor all I had to do was to give my name and address but the clerk never looked at the form as to checking my info as to be factual or not. He was writing down model numbers, etc off of the shipping box. There was info space for permit, etc info but I had none but they still loaded it into my son's truck.
The form had OEM name at the top. While I see the handwriting on the wall I expect at this phase it is the OEM limiting their liability. A KY homeowner currently has a lot of altitude on doing his/her own work. For example I can install my own septic seep field but I have to get the permit through the health department that will specify running feet and its location, etc. Then there is the pre and post fill inspection. This is a good thing because so many would straight pipe (no septic tank) to a ditch especially mobile homes.
While I could slip around and do the seep field I will not do that to my wife. Yesterday a local businessman my age dropped dead from a heart attack without warning. The the wife can sell the place sell better with an new certified and recorded seep field. The permitting can be a pain but as a healthcare trained person I agree permitting is for my long term best interest.
The best thing is to keep the inspectors in the loop. Last summer I put in a curtain drain at church because where we were going to build a pole barn (gym) on a slab would push water within 6 inches of the surface over night after digging a hole. I checked with the inspector by phone and told her what I was planning to do and she said OK after noting some details.
Guess what? After we ordered the washed rock to do the job a plumber turned us in as starting a non permitted septic system.

Some some bad mouth this inspector but at their own peril. She has a job to do and you for sure do not what to give her a reason to push it from a county inspection to a state inspector.