stop me if you've heard this one before...
* you send your build to your partner to texture, they send it back all textured. you rez it on the ground to set permissions, but when you pick it up, it is NO COPY to you.
* you want to use a particle effect you created for an alt. so you log in to your alt, set it back to full perm (so you think!) and hand it over. when your main links it to a build -- oops, there was a no transfer object inside the prim. now your whole build is NO TRANSFER, and the entire linkset is corrupted and you can't change it.
PROPOSED SOLUTION:
* when hitting LINK (ctrl-L), pop up a warning if linking this new thing to your build will change the whole build's permissions TO YOU.
ie:
--linking a no copy object to your build
--throwing a no-transfer script or object into the contents
etc.
* when placing a texture on a build, warn if your texture permissions are NOT FULL PERM. because the texture perms suck. :/
* ditto when trying to throw on a material.