Fiancee visa Photos - do you think I'm neurotic?

I have no authority to comment on these matters whatsoever, since I don't know the codes and didn't have to go through that visa process, but, as an outsider who has to process a different kind of applications, I can say that redundancy (repeating information in more than one place) is never a bad idea, and the photo labels is quite brilliant.

The reality is no matter how professional the person who looks at your application, people do get tired and repeating information is helpful and it generates confidence that the information that you're giving them is correct. Same with the photo labels. Like I said, this isn't specific to visa applications, but just applications in general.

On the photos thing,, my application was sent back to me, with a letter specifically requesting photos of us together. Luckily I had some of us on a holiday we had gone on together.  This was in 2000.  I remember also having to write a letter briefly detailing our relationship. I think at the time, the Home Office website said to write a brief letter describing the relationship, but until my app was returned, I didn't know I needed to send photos. Besides the passport size ones that I did know about that is.

In 2000, you would have applied under the old IM scheme.  In March 2003, they changed everything to the VAF scheme, which is still operating - at least through the end of this year for sure. 

In its list of necessary documentation for a fiance visa, the Britain Usa website only refers to a letter of support from the fiance, and only if the fiance does not appear at the interview in person:

copied directly from the website:
"Letter Of Support
If your fiance(e) does not attend in person at the time of your application then we require a letter from them to state that:

a) they are aware of and support your application to marry them in the United Kingdom.
b) that each of the parties intends to live permanently with the other as his or her spouse after the marriage has taken place. "

It does not mention anything about a cover letter or a letter of intent from the person making the application.

I suppose if you were applying by mail, it would make sense to add a cover letter so the person who was getting the package would understand what they were receiving. In person, you could just tell them.

I can say that redundancy (repeating information in more than one place) is never a bad idea,
The reality is no matter how professional the person who looks at your application, people do get tired and repeating information is helpful 

I disagree completely. I work with large numbers of contracts every day, and receive hundreds of emails. Getting duplicate information just makes it more difficult to get things done--as I have to read every piece of paper and every email to make sure there's not a tiny bit of information that changed.  It makes it harder to meet deadlines because there's unnecessary work that needs to be done, harder to find things because it takes longer for things to get filed and easier for things to get misfiled because the person who does the filing gets tired and stressed about not being able to meet other deadlines because there's too much filing, easier to make mistakes because the more work you have to do the more there's a chance of making a mistake.  In fact, whenever we have discussions about how to improve productivity, reducing redundancy is always the first on my list.  And whenever someone gives me two pieces of paper that contain essentially the same information, it makes me feel less kindly towards them.