I can see where you're coming from, but a lot of it is about locality, and there's no minimum length of checkout.
I've done checkouts which were essential a wide circuit, and others that went to a couple of hours. Standards are not universal, but equally aeroplanes vary a lot, and so do airfields. I recall a very long checkout for example at Long Beach - which was about 10 minutes to see if I could handle the aeroplane, and a couple of hours teaching me to deal with the local (and horrible) procedures and airspace. It might also cover some unusual instruments in the aeroplane, local noise avoidance rules, refuelling practices and suchlike.
So, to be honest, no I can't see checkout-free rental happening very often, in any club or at any airfield.
G