No, it’s not YMMV. If you borrow a car from someone, and you damage it, they are going to charge you based on the contract that you signed to borrow it. If you borrow a car and follow the correct lease end procedures w/r/t inspection, getting a car detailed, etc, you won’t receive a bill. There is no way in which you get a clean inspection and then get hit with thousands of doll hairs in charges. AutoVIN inspections are good for 60 days, regardless of lender.