hmmm....not sure about that one, grillhouse. The content of the CMYK channels are entirely dependant on the image. If it's predominantly red, for example, then the Cyan and Magenta channels will look nothing like each other!
As for ink coverage, it's quite difficult for this to become a problem in Photoshop just by converting from RGB to CMYK. This is because of the way Photoshop generates the black channel. Using either GCR (gray component replacement) or UCR (undercolor removal), Photoshop removes parts of the other channels and replaces them with black. You have to really delve deep into Photoshop's separation set-ups to cause problems of this nature -- most PS users probably wouldn't know, or even need to know, how to do this!
However, if you subsequently mess with the individual channels, it is possible to create the problems you describe (been there...!).
Back to the original post, though, and I would say that printing is the ONLY reason anyone would request CMYK. Many professionals keep RGB/LAB master copies, even if it's going to print eventually, because separation technology is improving all the time. If you convert to CMYK, you're pretty much stuck. If a better printing process emerges, with a wider color gamut, then it's nice to have the original files available to create new separations from. However, don't expect your printer to convert everything for you... it's not necessarily laziness -- they may only accept print ready files because that's all that was quoted for!