Wires from panels in parallel will all be at, typically, 48VDC. Voltages add only when you wire in series. No "live parts" are exposed in modern systems.
The quoted regulations govern construction. Residents have much greater latitude. All the appliances mentioned are approved for use with rated extension cords.
The quoted regulations govern construction. Residents have much greater latitude. All the appliances mentioned are approved for use with rated extension cords.