An interesting side note to this subject recently came up!
Under NJ UCC Electrical Sub-Code....
Translated into common english for clarity; this scenario:
Within a new mobile home (double wide, in mobile home site)
I wrote a violation for the panel being in a clothes closet.
(550.11 (A))
Well, low & behold the phone started ringing....under the UCC 5:23-3.16-6-ii NEC Article 550.11 thru 550.25 are DELETED.
OK, tail between legs, call owner, apologize, and sign off on unit.
Based on the above....sometimes a clothes closet panel location is OK.