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The electrician will remove the knock-outs as required for the breakers. No more, no less. But over the life of the home, renovations happen. Things are added and things are removed. If circuit breakers are removed, the empty slots should be covered up with filler plate covers. Otherwise, it is possible to poke a finger or a tool into the open slot and touch the electrical buss inside the panel. Covers are inexpensive and should be purchased to match the brand of the panel.
These covers are easily snapped into place without having to remove the front panel of the breaker box.
Here we see a prime example of someone that has watched too much HGTV. This is Non-Metallic Electrical Conduit being used for plumbing. Granted, they are both Schedule 40 PVC, but NM conduit is not rated for plumbing, and not rated for exterior use. This is another example of why you should use a licensed professional when doing work around the home.
AC air filters have a rating, not always easy to find, but they have one. The most common is the MERV rating, explained below: