By the spirit of the code, no. And no for lots of reasons. RSD is there so fire officials can hack through the PV to ventilate a roof without getting shocked. Does anyone expect fire fighters would ventilate a PV canopy on a parking garage?
I've had scenarios where a particular owner insists on having RSD which set a precedent in the jurisdiction. Now all canopies in that town are required to have RSD.
Another scenario where the AHJ insisted that the garage structure was not "detached" from the adjacent office building because they shared a concrete sidewalk and awning.
"Habitable" has some debatable meanings as well. Most folks would conclude no kitchen + no bedroom + no bathrooms = non-habitable. Others would point to the homeless guy sleeping in the corner and state "he's habituating, isn't he?
The definition of a "building" is also up for grabs. By the NEC, I can stack two bricks on top of each other and that would be a "building".