Plent of FRA carried out at a premises by incompetent persons too.
Absolutely, but as you say "plenty" but generally you should normally expect to get a suitable and sufficient FRA when someone inspects and surveys the premises.
With on line assessments I would think that if the user knows and understands what they are looking at and for, they wouldn't need an online service.
I am dealing with a fast food outlet chain at the moment who had or tried to use an online service. Each document had 50 pages which was mostly a condensed version of the CLG Guide for shops with a few pages to record the findings.
Non of the managers I spoke to could understand any of it and this was very evident when I read their findings.
On my advice the chain is abandoning the on line service.