So, insulated tools and gloves might be advisable, but arc flash coveralls and face shield might be overboard?
David,
Lots of responses to your question...forgive me if I provide information already discussed, but I wanted to provide a few tips based on arc-flash studies I have done and a certain amount of research.
There isn't a simple way to determine whether or not PPE is required, and to your question, whether or not coveralls and face shield might be overboard.
When I say "isn't simple" I mean in reference to either using the task based "tables" in NFPA 70E or a detailed incident energy analysis. Using the tables has the appearance of being simple, but there are very important underlying assumptions that could invalidate their usefulness. When someone walks into a facility "cold" and is faced with working on any number of panels/disconnects/etc how are they to quickly (i.e. cost/time effectively) supposed to determine what the available fault current is and what the upstream protective device tripping time is for the fault current at that particular equipment?
Don't let "low voltage" or "low fault current" fool you into thinking PPE is unnecessary. In some situations, lower values of fault current can result in higher incident energy as compared to higher fault current. This is because the lower fault current may take a longer time to trip the upstream device, and incident energy is proportional to arcing current and duration.
As an example, I just ran a quick analysis on a 100A, 240V circuit breaker, and for bolted faults between approx 730-1960A, the incident energy varied from 4.8-8.5 cal/cm2. Definitely worthy of PPE. For fault current higher than 1960A, the breaker is essentially acting in its instantaneous region, so is very fast with the cal/cm2 being much much lower (approc 0.05-0.18 cal/cm2).
The question becomes, how can you be sure of what the available fault current is at the equipment you intend to work on? That kind of information is likely not available to the homeowner, and many commercial buildings don't have that information at the ready either. If somebody feeds a piece of equipment in a garage or shed or whatever from their house panel and it is far enough away, you could see comparatively low fault level currents.
Practically, and this is just my opinion, you might want to consider always wearing at least category 2 PPE to provide some level of protection...I find that I can work somewhat comfortably in arc-rated 8 cal/cm2 coveralls (technically you don't need additional shirts and pants underneath). If the equipment has a detailed arc-flash label, read it carefully.