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I work in the electronics field but I have not had a chance to see one up close so I can't comment on what it does or doesn't do.
However what you say about why the factory hasn't done it could just be that you and their test people can live without it, so why add the extra cost? Every little bit counts when lowering the COG (cost of goods) of a product, you have to think of the service life/warranty of it, R&D etc. just to add that little bit. Just a theory though, i have no idea why they would or wouldn't do it.
About the hazards, are they not enclosed in a case? I don't think you have anytihng to worry about. Also if you want to discharge the caps after removing the unit you can probably just touch the leads together and that will do it. I thought most of them have a switch to isolate the leads. I don't think its anymore or less dangerous that using jumper cables, just be careful.
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