Trumpy ... you managed to find the point I was leading folks to.

The 70E rules call for full arc-flash protection up to the point where you have veirfied that everything is dead. OK, I also think that's over-doing it on your 'usual' panel, but I didn't want to re-open THAT discussion.

Of course, once everything is proven dead, there's no need for gloves - or insulated tools.

Yet, if things are considered 'live,' the use of insulated tools makes no differenct to the mandated PPE.

It appears that the only purpose of insulating tools is to prevent the tool from making a fault itself. The insulation is NOT a substitute for PPE.