VOC is a real property of solar panels. The wiring between them must be rated for the VOC to prevent a fault, period. The only way to get a VMP that goes all the way up to the wiring rating would be to have cutoff controls that are within the listed solar module assembly. The code will never allow anything else. Give up on that. (Yes, there are safety factors that mean this is overkill, but safety factors exist for a reason and the CMP will never change their minds on that.)
No, it could actually be VOC, in case of system failure. I think that's what you're not getting.
The code needs to assure that installations fail safely, not just that they operate safely. The rarity of failure doesn't change this one iota. This is true across the board, not just in PV systems.
Generally, I feel that either
a) you are still not really getting how the technology and engineering really works, OR
b) you are trying to argue, without really saying so, that "the code should really allow us to ignore VOC because that is not the operating voltage." Regarding this, there isn't a chance in heaven that the Code Making Panel will ever agree.