Well, I personally only check that all media has loaded correctly. When sound files don't load I assume that the user doesn't have a sound card (the old see if a WAV file loads to determine the presence of a sound card trick) and then simply don't attempt to play any sounds or music in the rest of the game.
I don't bother when creating Types, Banks or Images within the program - I assume they have always been created without a hitch. Not had any problems so far.
Maybe others will say different, although I do try and test any release on as many systems as possible.
I also check every possible outcome of If..Then, etc, conditions to ensure that the program reacts as it should - often forcing outcomes by setting variables at the relevant places to be sure.
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