This is the fallacy with this line of thinking. When do you use a wrench on a battery pack. When your assembling it. Can you assemble it when its covered in safety caps. No so the one time its exposed, (when assembling) is also the time in which you CANT have it covered. so yes the typical "drop the wrench on it" is always a concern. which is why the "real" pros use insulated tools instead of trying to insulate every conductive point inside your controlled access point. (eg inside the panel)
the "accidental thing fell into the battery pack at some point in the future" is prevented by controlled access. aka a cover.