In winter conditions even the RFD know it alls are going to miss things. If you can’t see grading or parts of the roof...it is what it is. Good inspectors will obviously catch more issues than some bad inspector. So reviews and referrals are important.
Only simple people would think passing a home inspection means “as good as new, zero issues to be had” or that an inspector is an expert in everything. One thing I want to see in their toolkit is a thermal camera to help see issues that you, without one, can’t see.
https://www.flir.com/instruments/therma ... nspection/