Given that example. I would have told the FI to shut up and let me get on with it. If you are flying competently and it is a checkout not a training flight, then it isn't up to them to change what you are doing as long as you aren't doing anything daft.
I would prefer 20 deg of bank onto final when at 65 kts too, but in reality I'm not looking inside the cockpit at this time. I just want you to safely fly around the corner and onto final approach without weaving around like a drunk.
I'm a bit confused with the comments they made about carb heat, but I think I know what you mean and none of it would warrant a comment in the air. I might have a quick chat on the ground, but on a checkout I'm only seeing that you are safe without the need for intervention.
So in this case David 1 : FI 0.