That's two opinions.
What's the population of NJ. Is it near the total population of Arizona, New Mexico, Utah, California, and Colorado, just to name a few? Because they all have outdoor disconnects and lots of outdoor panels and if there was a problem I'm sure it would have shown itself.
And what about NJ. Are you going to tell me that switches don't stand a chance of survival out there unless they are in some sort of enclosed environment? What, the electrical equipment that is outside has an assigned nanny that puts a blanket on it in the winter and stands by with an umbrella during rainstorms? Give me a break.
What am I supposed to tell my farmer customers with 480V irrigation pivots and pump panels in their hay fields? Umm I think you better move this operation indoors, your electrical irrigation equipment really shouldn't be outside.