I don't think 40 volts would kill you, anyway, remember the old saying "Volts jolts, mills kills". You can take a 10,000 volt shock that will give you a fair old belt, but not kill you, but a few milliamps will.
”Don’t think” doesn’t really cut it here when talking about life and death 😔. I tend to look for certainty here.
Whether you get killed by electricity depends on a lot of factors. Firstly is it AC or DC, DC can be worse. How is the body connected, is the current path through the heart? Two hands applied to opposing DC feeds being an effective way to maximise that effect. What is the medical susceptibility of the person, any tendency to cardiac issues (usually an unknown). At what exact point in the cardiac cycle does the current arrive, timing can affect cardiac effect. Skin conductivity is critical, is the skin wet or salty? Both often apply. What are the secondary risks of uncontrolled movement or a fall?
It is current not voltage that kills, and some of the above factors allow relatively low DC voltages to generate dangerous currents in the heart.
I think with more reading you would find that in the wrong circumstances 40V DC most definitely could kill. Usually it will not kill, but usually is not good enough!
My own anecdote here relates to connecting a 24VDC boat battery pair on a hot day in a damp engine room. I was sweating with very damp skin. Probably salty. My hands touched opposite terminals, maybe at about 26V off load. All I can say is that it was one hell of a belt. I survived despite temporary pain, but was left with no doubt that such voltages could kill if you were unlucky! I have more respect for low voltage DC since!
Electrocution risk is perhaps not the key reason for the isolator anyway. A medium size solar panel setup can give very significant short circuit currents. Fires, burns, eye damage from arc and sparks are all possibles if working on a live solar circuit. I also prefer the panels isolated when the van is not in use. Proper isolation is neeed before working on the charger?
Anyway, the above is why my van has one fitted
Steve