Yea, I did drift off the GA center line here...... my bad.
As mentioned above, Insurance required the aircraft remain in its airworthy condition, which means per its type design; even though it remained airworthy by supplemental TC. By installing STC'd floats, adjuster contended it did not conform to its type design (which technically it did not). Merely semantics, but was a point of contention and seemed to be used in the bargaining process. This issue did not occur to owner as the STC made it all legal,,, other insurance criteria aside.
although my background is part 25, i have worked as a DER on an electrical elevator trim some small aircraft (it was incorporated with an autopilot STC program), which MEL and required equipment was addressed as part of STC. I don't believe the C182 test plane, or other like models which STC focused, had a formal MMEL in TC (typically part 91.205 and equipment list cover this). However, even a part 91 operator can ask CAA for MEL relief, such as through a LODA or petition or STC if equipment related, or approved maintenance manual, ect. I think mostly part 91 ops in desolate or extreme areas where waiting for a new fuel gauge would not reasonable.
If granted, such a MEL would not be part of TC but only to that specific aircraft and even operator (unlike a MMEL by manufacturer). As such, insurance could argue you did not keep it conforming to original TC if that is languaged used, as with the floats.
But my point was simply that part 91 and equipment list requirements for SE GA are close to bare bones as it typically gets, and any SE part 91 MEL approved would not likely allow much more approval for inop equipment. In fact, i would argue under most part 91 situations, you are better off without a MEL.