What would happen if you unplugged a 60 cell panel (~40V Voc) in sunshine and under load from a micro-inverter?
Also, if you unplugged the micro from the AC trunk cable?
If you unplugged a DC connector, which is not designed to be load breaking, there would be an arc as the connector separated which could startle you and potentially damage the connector so that it no longer operated correctly when reconnected.
This is more of a problem with the higher DC voltages found with a string inverter, but it is still possible even with 40V DC.
The AC connector, OTOH, will be protected because the current naturally goes through zero, putting much less stress on the connector as it is separating. I do not know whether it is officially rated for load breaking though.
Once you have unplugged the AC connector, the DC draw will be stopped and you can then safely disconnect the DC. The terminals on the panel side will still have 40V across them, so do not be casual with them.