Ok fair enough. But expand the topic to say something other than a control panel. Say another piece of equipment, or a non fused disconnect with a 10k SCCR. What does the inspector cite me with when I use a current limiting fuse along with the manufacturers data to lower the fault current at to the equipment rating?
I can't speak to what any AHJ will / can write you up for, because at a basic level, they can always fall back on 110.3, "Suitability for installation and use in conformity with the provisions of this Code". Maybe 110.10 though, because the way that last sentence is worded, "Listed equipment applied in accordance with their listing shall be considered to meet the requirements of this section." indirectly implies that if equipment is NOT listed that way, it fails. So your non-fused 10kA SCCR disconnect switch is no more than it says, 10kA.
That said, maybe it's a poor example because in this particular case, many (if not most) UL98 listed non-fused disconnect switches are no different than the fused versions, so the mfr will have a listing saying that if you use the same fuses in the circuit, it has an equivalent series SCCR rating as the fused version. So again, it really comes down to how the equipment involved is listed. There are no generalizations you can make, other than "you need to pay attention to the issue".