No it is not to much trouble to generate an offer. I have many clients that ask that of me. I know that there is a 0% chance of acceptance but it is my obligation to send the offer in.
There is one consideration I would add. I have seen in the past that some sellers get irritated with buyers who submit a very lowball offer. That is not a big problem but if you come back later and really want the home and are willing to offer more the sellers may have a negative memory of you and be more willing to work with others in a competitive situation.
Now mind you, this is not the norm. Have I seen it happen? Yes. Alot? Not really.
So if you are dead set on 475k for the home then have your agent write it up.
