As others have mentioned, inspection requirements are spelled out in the inspection manual quite clearly. If an inspector "fudges", he/she can be disbarred, fined or even be unable to find work afterwards.
Nothing will beat having the problem diagnosed by a competent mechanic... he/she will not come cheap but your cheapy guys appear to be leading you astray at the very least. Your Explorer is NOT a car.... it is a MACHINE. Machines need maintenance.... machines need repair. To leave a safety warning system "disabled" in this manner is (sorry to say) reprehensible and you are indeed putting lives at risk.
I've said it before and I will say it again.... if you caqnnot afford to properly maintain your vehicle, you cannot afford to have a vehicle.... It may sound abrupt but it is, none-the-less, the truth. Imagine someone giving you a ride in a private plane and having them say "Oh, yeah.... I can't afford to have that fixed..." , or falling through a neighbours porch because they couldn't afford to have it fixed or eating a hamburger and having someone say they couldn't afford to have their fridge fixed..... The list goes on....
I'm sorry if I'm not telling you what you want to hear.... but I do believe that it is what you *have* to hear....