Cases where you could lose points for "added options" in concours driven as the current rules stand for 67 (no Marti report required):
1. Installed incorrectly from a "workmanship" perspective, as Bob stated.
2. Installed incorrectly from a "group" perspective. Examples: wheel lip moldings which were part of the exterior decor option, but not installing the complete exterior decor option; installing a convenience control package with lights mounted in the lower console with no air conditioning option also, etc.
3. Installing something not on the door plate. The two tone painted rear without the "5" suffix on the color code. Installing a complete interior decor package with a standard interior code on the plate. An exception in my opinion would be to have original dealer paperwork proving that the work was period correct. I've seen this once, but have only assisted in judging about 20 cars, a "newbie".
I would respectfully disagree with Bob from a value adder perspective, since the topic is points not dollars and cents. Adding options won't add any points. MCA is on a points deduction system. Therefore, adding any options actually gives the car more exposure for areas in which to lose points. For example, if there is no power steering, there is no way to lose points on an incorrect color on the pump, an incorrect belt, fluid leaks, and so on.
Hope this helps.