Your client is reasonable in asking for their footage. After all, it's their faces in the frame, their family, their moments. It's not like you can sell the footage to Getty or on Pond5. A wedding is a personal event and the client, the groom is asking for the raw material. She's really asking for the moments NOT in the final video. She may not want them in the DVD version, but she may want them. It's human. This is not a commercial client or advertising agency, where traditional "cover-your-ass" rules apply.
I think it's normal to consider charging a little extra on every project to store such material, in case the client needs to dig into the footage. Sending your wedding client this footage on a hard drive (in my own opinion) should not warrant asking for $100 extra to buy a hard drive and send them files. I think it should be included in the price from the get-go. If you're not charging enough for even this, you're not charging enough. Absorb the cost and keep them happy so they refer you. Because it's always about the next one.
Consider exporting Quicktime with split audio tracks, keeping music on a separate track from the voiceover or nat sound. Doing this ensures that you can replace music or pull out segments easily later without resorting to the original Premiere project.
Check that quote again. Nolan used practical effects for Interstellar and Shanks recreates it beautifully.
"However sophisticated your CGI is, if it's created from NO physical elements and you haven't shot anything with a camera, it's going to stick out." -Christopher Nolan