I’ve been bitten a few times (ironically enough, twice by shorted UPS chassis in my data centers), and twice by 120v where neutral lines were crossed and acted hot with the breaker off … talk about a surprise. lol
I do agree with the distinction between the junction box and the fixture, and perhaps I under assess the risk of changing bulbs. I tend to assume that most people are of the mind that if ‘you’re not sure, don’t touch it’ … even though my wife has a habit of touching things that might be hot to see if they’re actually hot
In typical installations where the switch is actually switching, or where it’s using z-wave associations this is true. If, however, the usage is via bindings, groups, automations, etc as described by Reven, the setup is going to be at the mercy of the hub.