Bill....you have a point, this could be somewhat of a loophole here, by definition it would seem that an appropriately rated/ listed panel could theoretically be in a shower stall. They do exist in worst environments....myself I really would appreciate a panel-free shower at the day's end.
Scott, in my experience, there are "neat" jobs that look really good, and there are "compliant" jobs in which the installer meets , or exceeds code. Most sparky's like to energize the combination of the two and sleep good.