You did notice that the other edges of the fan and transformer are just hold in place with nuts? So really, the world will not come to an end if you use a few more nuts.
How do you propose to get access to the nut at the bottom of the transformer and heatsink behind the large filter capacitor? The bottom nut on the other side where the fan and heatsink meet is also extremely close to a small signal diode and bypass cap. It would be very easy to break those components if you were using a regular nut and washer. (A tip for those having to service this sort of thing, a set of "ignition wrenches" makes things much easier.)
You did notice that the other nuts on the transformer and fan are keps nuts? Even though this is a low-volume production item, they still used keps nuts instead of individual nuts and washers.
Something else to consider are potential metal shards from a lockwasher digging into the aluminum plate. This isn't going to be an issue with the fan's glass filled nylon plastic housing or the transformer's steel laminations.
My point is the designers used threaded inserts for a whole host of reasons. Unless you are doing a failure analysis and re-engineering something due to a faulty mechanical design, it is generally best to stick with what the original designers used since they will have already worked out all the assembly issues and there may have been non-obvious reasons they did something the way they did.
Dave, are U8, Q3 and Q102 part of a PWM circuit for the fan?