Structural steel would be the most predictable. Concrete and timber are in the middle somewhere.
Basically nobody ever died from leaky pipes or substandard weatherproofing. The code is as much about a) homogenizing the industry so big business can statistically reason about it at scale b) turning the subjective into the quantitive so that things can be done, checked, sight off on, etc, etc, without anyone using "judgement" as it is about protecting life and limb. Just about every professional has a laundry list of complaints about their area of code that boil down to it being theoretically useful but at great "not worth it" expense or a similar "not worth it" expense being incurred in lieu of very basic judgement. Arc fault breakers, and engineering requirements for small retaining walls come to mind as oft cited examples. And of course there's the myriad of wrangling that goes on wherein things get looser/stiffer requirements depending on whether their use is deemed worth incentivizing (this stuff usually lives in local addendums to the code).
I'm not saying there isn't value in there, but this habit people have of acting like it's all relevant to safety and screeching about "written in blood" is exactly what creates room for unrelated stuff to exist in the code.
>However, when you start reading, it is clear that much of the work is empirical, heavily localized and based on a great deal on the experience of the builder. I found very little in the way of solid theoretical modeling, but lots of measure, adjust, etc.
Which is a point very much in favor of the amateur.
I know you're probably intending to only remark on leaky water pipes, but:
The New London School explosion was caused by a leaky pipe. It killed 295 students and teachers, and led to the inclusion of smelly thiol in natural gas, as well as the Texas Engineering Practice Act.
A dehumidifier (or an HVAC system, which is where the name of the disease came from) is more likely to give you legionnaires disease than even the most substandard plumbing.
Famously, moist wet areas only grow molds that are safe for humans to live amongst, and absolutely never rotted away wooden structural components of a building.