All true, except the last one. The zener will protect the sensitive gate.
The switch configuration is the biggest show stopper. Something like your fast-kill modification could be done.
Isolation I don't see as a big deal below 100v. Hopefully the entire system is isolated from the frame, so you need multiple failures to have a safety problem. The frame making contact with the negative side of the battery is just as dangerous as having it touch the positive side.
An opto coupler would require some kind power on the emitter side, so not sure how you'd get around having pack voltage somewhere. Having pack voltage fed through a 1M resistor will be pretty safe.
The switch configuration is the biggest show stopper. Something like your fast-kill modification could be done.
Isolation I don't see as a big deal below 100v. Hopefully the entire system is isolated from the frame, so you need multiple failures to have a safety problem. The frame making contact with the negative side of the battery is just as dangerous as having it touch the positive side.
An opto coupler would require some kind power on the emitter side, so not sure how you'd get around having pack voltage somewhere. Having pack voltage fed through a 1M resistor will be pretty safe.