I have a ton of experience with software, I've designed lots of custom algorithms and data structures, I know quite a few programming languages, I've written nontrivial assembly language programs, and even though I've never done kernel hacking I could probably write a device driver if I had clear specs of the CPU, the device in question, and other system peripherals like IRQ and DMA.
I know Linux sysadmin stuff pretty well; I've set up an LVM-snapshot capable system, built Linux with buildroot and Openembedded, done compiling and cross-compiling and kernel compiling and kernel cross-compiling and writing /sbin/init for an initramfs and compiling in ARM chroots on x86-64 and compiling with VirtualBox and compiling on an ARM embedded board.
I think "developer" describes me a lot better than "end-user."
But, my knowledge of hardware is mostly theoretical. I wouldn't begin to know how to fix EMI issues. I don't even own a soldering iron.
All the discussions on these forums of GPIO pin headers, bypassing power control circuits, and the merits and drawbacks of surface-mount technology are interesting but I don't really feel equipped to contribute to those discussions or practically apply the information contributed by others.
I also have no idea what legal or financial risks I would take on by operating a non-FCC-approved device here in the USA. 
I think it's better for users like me that the Foundation, manufacturers and distributors iron out the regulatory issues, since I have neither the experience nor the resources to deal with them.
That being said, it's my understanding from the blog post, front page posts, and forum that the device itself is technically in good shape. If I somehow got my hands on one of the 2000 uncertified Pi boards and plugged it in, treating it the same way I (as a software guy) would treat any other computer, I wouldn't destroy the nearest mains transformer, set my house on fire or kill everyone with a pacemaker in a 1000m radius. I probably wouldn't even cause measurable static on analog (now digital) TV or FM radio unless the receiver was really close to the Pi.
So for this particular device, at this point in time, it seems the approvals are more of a "rubber stamp" that's only necessary from a social/legal perspective rather than a technical/physical one.
I'm not saying that the FCC isn't a necessary evil or that the government should do away with certifications; the next board designer who sees the success of the Pi and wants to duplicate it might be more ethically challenged than the RPi folks, and might need that regulatory hurdle to keep them from cutting corners on safety and interference to increase margins on a product with rock-bottom prices.
And everyone who's feeling the pain of the delivery slippage certainly has a right to feel disappointed and upset. But pointing fingers at the Foundation, manufacturers or distributors is certainly unproductive. I would say it's also unfair, since they took legal advice on the necessity of certification early on, and were told by experts it wouldn't be necessary for the initial release, and relied on that advice in their announcements, planning and scheduling.
If anyone's to blame, it's those unnamed "experts." But keep in mind that it may not even be fair to blame them; when their opinion was asked, the interest in RPi was much smaller, there was much less media attention, and the overall demographic of the prospective user base was more hardware-oriented.
I think they're doing the best they can and I think the new approach they're taking to certification is the right one, even though it's definitely resulting in delays and upsetting users.
 The chances of getting into hot water due to operating an uncertified device are probably pretty small for me personally, since I'm in a semi-rural area...electromagnetic noise diminishes by 1/r^2, there aren't too many people within an r small enough that they'd notice the interference, and they're probably not technically clued-in enough to know they CAN call the FCC on me, even if they were inclined to, which they probably aren't. Not to mention whether the FCC would have the resources/priorities to harass a random dude playing with a circuit board in his house...seems like they would have bigger fish to fry...