I basically agree, but I will say that when we bought our house and the (FSBO) seller turned out to be a flake and/or an outright nutcase, the realtor we were working with earned every penny of his 3%. I won't go into what he did for us because some of it may not necessarily have been legal for someone who's not an attorney to perform. Let's just say it took a lot of hustle to hold the seller to his commitments and make the deal happen according to the contract... especially when some of the flakiness turned out to be our own fault, due to the (in)actions of our mortgage lender.

Most of the other realtors I've dealt with fit your description perfectly. Nowadays, my thinking is that they're like airline pilots -- most of the time you can take them for granted and even think about how to replace them with automated processes, but when things start to go wrong, you may find yourself appreciating their work more than you thought you would.