If it makes you feel any better, I noticed a hydraulic return line was weeping this winter. I had one hatch I could poke my head into and with a flashlight view the entire line, but I could only reach the first 18 inches of a ten foot line. I spent a few weeks trying to figure out how I could re-routethe line, etc. When all else failed, I realized that there were 5 other lines running down this bit of corridor and some day, some day. So, I spend two full days in the aft cabin of my 48 Tolly removing an entire bed frame, then down to the floor beneath where I cut long narrow access panels. After all that, I took 45 minutes to re-run a new line. and about an hour to screw the bed frame back together. It was a hellacious job, but now if something fails while I'm "out there", I can get to that part of the boat in an hour, with basic tools, not cutting saws.
That really is what you just have to do, if the builder did not do it for you. You can't be operating a boat more than 60 minutes from home without being able to access everything that might need futzing with. So...pay the piper and get busy!
Oh...and if it makes you feel better, that same hydraulic line passed 20 inches under a floorboard in my lazarette. I had to dislodge the entire generator to access that last 20 inches. Imagine doing that in an unprotected bay while rolling rolling rolling. Access panels are not a luxury, they are a necessity!