In a collision, the traction contactor can and should turn off, so no HV outside of the pack. Quite safe, simple and reasonable. However the HV pack still exists intact or you have other major problems such as a mushroom cloud forming over your car. Why can't the traction pack still power those...
For standby (car powered down), why not have a low quiescent power traction voltage to 12V converter to power standby peripherals such as RFID key fob detector, security system, door locks, computer when the car initially powers up, etc. Once the car does power up, immediately the traction...