We go through the Hartford for insurance, and they didn't ask for photos. They are also perfectly OK with us installing a wood stove. We pay about $38/month, and don't need CDLs to drive her because she's not a commercial vehicle.
I spent weeks on the phone with various states' DMV and DOT offices (Alaska, Colorado, and Wisconsin) and with USDOT in Arlington, VA. The upshot is that because she isn't used for commercial purposes, she isn't a commercial vehicle, so USDOT won't issue a DOT number for her. Without that number, she can't be registered as a commercial vehicle by a state. Nobody ever mentioned such a thing as a "commercial vehicle for personal use", but it may be an Oregon-specific classification...or you may find that USDOT will refuse to issue a DOT number and that your registration will be revoked (this is what USDOT told me would happen if we tried to register her as a commercial vehicle). So good luck with that.
I also found that Wisconsin (unlike the other states I contacted) has an "Advanced Research" department of their DMV. I have to wait on hold on the regular DMV phone number, but as soon as I get a person they can transfer me to Advanced Research. The folks at Advanced Research have been amazing, and are able to answer my questions immediately - or within a few weeks if I want something in writing to be mailed to me. I've used this resource four times in the last four months, and wish every state DMV had a group like them.
I also contacted the State Highway Patrol, who conducts the inspections to verify that a school bus has been converted to an RV, and spoke directly to an inspector. He gave me all kinds of great information, most especially that the conversion doesn't have to be complete for him to sign off on it. I just have to have removed the red/amber flashers, stop arm, "School Bus" signs, and re-painted to any color other than yellow. The inspectors apparently understand that skoolies can't be registered until the conversion is inspected, so they sign off on the inspections as soon as the bus clearly isn't a school bus any more and don't care if you've met the standard requirements* for a conversion at the time of inspection. The just have to see that the conversion is underway.
Good luck and have fun!
*In all three states I've researched, you have to have four of five items: sleeping area; cooking facilities; heat or AC independent of bus system; self-contained water; and, self-contained toilet.