Hi
With a normal RV solar setup, you are talking about a low voltage / current limited system. You can get sparks, but it's no more lethal than a
12V car electrical system (which has way more energy). With proper wire and fusing, even shorts are not going to create a hazard. As mentioned above, they will not damage your panels.
With a stock setup, pulling the fuse between the panels and the converter is the simple way to be 100% sure the system is power down.
Indeed on the other side of the solar charger, you have a battery. Even with proper fusing, you can get quite a bit of energy out of a battery. If you get past the fusing (like hit across the terminals) the current can be enough to melt things. That's the side of the circuit you should be concerned about in terms of damaging stuff.
Why bother with these distinctions? It is indeed far easier to simply say that all electrical circuits of any sort are hazardous and you must take a long list of precautions with all of them. Yes that sounds a lot easier to understand. There are a couple of gotchas. One is that it simply is not true. The next is that coming up with a procedure that treats changing a battery in a flashlight just like working on a 13KV power line gets a bit insane. Treating all electricity equally does not allow you to understand what's going on and reasonably evaluate what you should do in a given case ....
Bob