I am teaching a class of apprentices these evenings. As an exercise, I gave them the latest list of "code questions" from Mike Holt. (Thanks, Mike!) As you might guess, this issue came up .... specifically, are it regards motor disconnects.
I agree that this section requires a LOT of work. Maybe even a complete re-write.
IMO, what matters is that the disconnect be easily reached - even if that means reaching over the motor or pump itself - and that is be obvious what the switch disconnects.
Now, the residential guys might be scratching their heads at this point .... but the example I have in mind would be an industrial production line. In these arrangements, there are often many machines, or motors, that work together. Yes, it often is possible to work on one section, while a neighboring section operates.
In practice, this means the disconnects are either mounted to the equipment itself - hello, working space issues! - or clustered all together on a wall three miles away .... good luck figuring out which switch is the one you want!