John,
Insulated tools are made for one reason only.
In that, they prevent short circuits from live parts to adjacent grounded parts, due to their covered parts only exposing the working parts of the tool.
They are advertised as secondary insulation at < 1000VAC
Primary insulation is gloves and outers.
They are merely part of the puzzle.
I mean, if you were silly enough to drop an un-insulated screwdriver or have it slip from say a bus-bar on to the back of a panel, you'd get all you deserve.
One other thing, I don't understand why you need to get all suited up when a set of simple cover up gear would minimise the risk.
All you need is safety glasses, gloves and outers in this situation.
