I think insects should affect the rating if you play there enough to know its always like that,
As someone in the midwest (mosquito heaven) I can say, Shorewood park ALWAYS has worse mosquitoes than West Park, or Highland Park. With that knowledge, it did affect my rating, the park district could do something about the pools of gross standing water there, but don't. So it deserves to be rated as such. Its still a fun park, but you almost must have bug spray to enjoy it. Just like Community Park, with its infamous 'tar pit" (gross water hole behind the basket on 15) those places are breeding grounds for mosquitoes, so they're always worse at that course.
When its always an issue, rate it. If the baskets were broken or stolen, would you lower the rating? Probably not, but if I came back a year later, and the same baskets were gone, I would.