If water is passing behind your gutters the drip should be correct regardless of fascia wrap. Its like saying that the leak from your windows is dripping on a linoleum floor so I don’t need to worry about the floor. Any unneeded moisture that is trapped in between the gutter and fascia is not a good thing. Water will penetrate through nail holes in the wrap and gutter, the seams in the wrap, ect. If water is passing behind your gutter that moisture is always there and consonantly replenished. If the drip edge were corrected or properly installed so the water would fall into the gutter the water would not be lead behind the gutter as a result of being installed to far towards the fascia and not properly spaced, the moisture build up would not occur.

Gutter covers work. Rain gutters are not maintenance free and require multiple cleanings a year. The overhead on gutter cleaning is low and much more profitable that installing gutters. That is why gutter cleaning only businesses exist. Problem is it is not 12 month work. There is little money in replacing white aluminum gutter as the overhead is high and requires volume to keep employees busy, and there are one man owner/installers who don’t have the legitimate costs of business (workers comp that covers employees, payroll taxes, unemployment – they pay cash or as 1099 subs to cheat), don’t invest in equipment, or product, or training to gain knowledge on subjects such as moisture management.
Life time covers mean that the company offering the warranty will come out and clean the rain gutters if they do clog. Simple as that. You think a gutter may have a backup or is over pouring, or the bottom of a downspout is not draining as much as it should – what ever – call and a crew comes out and makes an adjustment, repair, cleaning, what ever. To debate how well they work varies from home to home. Most homes can reduce maintenance from 70%-100% effectiveness, regardless of type of rain, whatever. This does not come from speculative advice from a home owner after a few presentation but some from someone who actually know this business. I don’t know your contractor but I know enough from your posting to know the type. He cant sell you something he knows little or nothing about who sold you on letting him patch your gutter system for the next 10 years. Pay now or pay later as the saying goes. So if you want an argument without any authority to convince you not to spend money wisely read above. Otherwise leave the advice to the pros. Nate hopefully you got other advice.