AC power crosses the zero line twice per cycle while DC does not. AC has a lower ‘let-go’ threshold, but DC contracts your muscles and makes it harder to let go.
You are correct though, if you de-energize your panelboard and have a deadfront cover over the line side conductors and lugs, working inside a panelboard (or on electrical wiring) is safe.
And the other important part is that 60Hz needs fewer amps than DC to be dangerous. https://www.allaboutcircuits.com/uploads/articles/electricit...
And if you want to talk about power lines, then the neighborhood medium voltage lines are going to be roughly the same in most places within the same jurisdictions, and distinct from the true high voltage lines that are used for long distance transmissions.
If a 120V 15A supply puts 50mA through you, then a 120V 100A supply will also put 50mA through you.
A supply that's "5000VAC at a 1.0 nano amps" really means that it starts at 5000 volts but super rapidly drops to zero volts as it conducts. A household supply is going to have negligible voltage drop by the time it turns deadly.
Edit: The other way to put it is that 99.9% of supplies don't give you a certain number of volts and amps. They give you a certain number of volts and they have an amp limit. If you're not approaching the amp limit then the only thing that matters is the volts.
My point is that the number of amps you can get from the circuit is irrelevant, it's "more than enough" and that's all you need to know beyond the voltage and the exact way the human is being exposed.
400 ohms at 110 volts = 275 ma. More than lethal. 30 watts.
400 ohms at 220 volts is double that - a bit over half an amp. Lethal (obviously). 60 watts.
400 ohms at 1500 volts is 3.75 amps - 5.6kw. Enough to physically cook someone pretty quickly.