Not sure I'd like to argue that in front of a Coroner's court.
Fortunately, in the case I referred to, no Coroners were involved, although the property in question received serious damage to its roof, and presumably, water damage throughout the rest of the house.
I normally only fit triple pole fan isolators alongside in line fans in lofts, and supply the whole lighting circuit to the bathroom through a switched FCU, fitted with a 3A fuse as per most manufacturers instructions.
Wall mounted fans, which I try to avoid because of their comparatively poor extraction rate and noise, just get the switched FCU.
Not sure I'd like to be a manufacturer in court explaining why the product I had designed and sold did not have adequate protection for its design.