The “factory wiring” is hidden inside the “Listed” rule...you are working with Listed assemblies. Factory built equipment is Listed. As in it passes requirements for BIL which is effectively a simulated lightning strike.
One of the problems at MV is that most of the standards for instance are IEEE/ANSI standards and are for distribution (NESC) use which is outside NEC scope. There is one UL standard but it’s sort of a catch all so you need to recognize that MV equipment is mostly distribution or used by organizations not bound by NEC (mining, ship yards, military, utilities). It frequently is not Listed and it always even under NEC is restricted in terms of access to qualified workers only. There is always a tool required for access whether it’s a ladder, key, screwdriver, or wrench, or there are shutters and disconnects that remove power and make it inaccessible as the door is opened.