Most teams evaluate a model once, usually right before a purchase decision or a launch. A prompt is written, a handful of examples are run by hand, a few outputs are pasted into a document, and a judgment gets made. The problem is that this judgment is not repeatable. When the vendor releases an update, or when a second vendor makes a similar claim, the team has no baseline to compare against and often no record of exactly which inputs produced the original numbers.
Regulated industries already treat this as a discipline rather than an errand. Model risk management guidance from the OCC describes validation as including an evaluation of conceptual soundness, ongoing monitoring, and outcomes analysis, and it explicitly expects ongoing monitoring to be part of a model's lifecycle, not a single event (OCC Comptroller's Handbook). Model validation consultancies make the same point: a validation that only checks that files reconcile and column headings look right will miss errors that persist across periods, and performance can deteriorate over time through environmental change, technology drift, or staff turnover (Darling Consulting Group).
Vendor models make this harder, not easier. Because the vendor controls the code and formulas, a validator often can only hypothesize cause and effect from the documentation, which is why comprehensive validation of black-box vendor models is problematic and why ongoing, interim outcomes analysis matters more (RiskSpan). You cannot inspect the weights. You can only control the inputs, apply consistent metrics, and compare results run over run. That is exactly what a harness gives you.
The decision rule is simple: if a test result will ever be compared to another result, it needs a harness. If the answer will only ever be yes or no, once, for one model, you can skip it. In practice most vendor evaluations get revisited, so the harness pays for itself the second time you run it.



