Merry Christmas to you as well, John.

No misinterpretation here.  I re-read your post and didn't see where you made such a distinction.  I believe you said,

"I have been doing this for a very long time and I have never used a discalimer nor would I use the services of anyone who does. If you have no faith in your work why would I?..."

"...If you do a good job and carry the proper insurance then I don't see the need for a disclaimer unless you know that you are not qualified to do the work. I believe disclaimers are for those who do not belong in this business..."

Those sound like blanket statements to me.  That's sort of like saying "I don't see the need for a contract unless you are an unscrupulous person.  If both parties to an agreement are honest with each other then a written contract is unnecessary."  My point being that a disclaimer when properly used can prevent misunderstandings between the parties.

Regards,
Scott Perry