But why would a PV system with no inverter be considered to have DC conductors after a DC disconnect be safe for emergency personnel, but not if those same conductors were to land on an inverter?
No one ever said this. The distinction just came up because you pointed to the definition of PV System Conductors and its reference to a DC PV System Disconnecting Means, and your wanting to ignore the word 'system' and any meaning that word might have. Safety wise, if the DC disconnect can be considered a PV System Disconnect because everything after it is distribution feeder(s) or branch circuits, then other sections of the code cover those requirements. For example if your groundmount were for a stand-alone system powering an off-grid cabin, then your DC disconnect would just be the feeder disconnect required in Article 225.
I suppose in the bigger picture it's somewhat inconsequential, since Article 225 already requires a disconnect at the building, and Articles 705 and 710 and 225.37 already require signage for all power sources at a building. So regardless, you are going to be putting a DC disconnect on the house (not at the groundmount, or at any rate that one doesn't count.) And you'll be placarding and mapping your DC disconnect for emergency responders if there's also a utility service on the house. However the devil is in the details, with things like whether the switch has to be outside to meet 690.12 and which label needs to be applied.
Suppose I had a 600V heater element in the home, with conductors running from the heater out thru the wall of the home into conduit under ground, coming up at the ground mounted array, and into a DC disconnect, before connecting to the PV strings. Are you saying the conductors between the DC disconnect and the heater element are not controlled conductors, but if instead there were an inverter connected instead of a heater element, that they would be controlled conductors?
Yes. Because of the definition of PV System Conductors you pointed out. But note that your DC disconnect for the heater circuit on the building is just the feeder disconnect which is required to be installed and called out in a directory by article 225.
Actually there is another reason, which should potentially concern you. Some inverters continue to the energize DC conductors when disconnected from the arrays because of capacitors in the inverter. So this potentially makes conductors going to inverters actually more dangerous, which is an argument for applying rapid shutdown to those conductors. Depends on the inverter. I don't believe this is an issue with SMA but it was with SolarEdge.
I think the NEC needs a revision to include an exception from 690.12 for conductors downstream of a DC disconnect. it would eliminate the confusion and conflicting interpretation.
I would submit a comment against such a revision. Such a DC disconnect might be inside or not readily accessible and then the intent of rapid shutdown might not be met. The confusion created by the revisions to the PV DC circuit definitions was clearly not intended to create such a distinction.