IIUC Chinese manufacturers often put the "CE" mark on things that haven't been certified, and rationalize it as the mark meaning "China Export"

I have never heard of a case of a homeowner's insurance claim being denied based on imrpoper DIY work. One of the main points of insurance is to protect you against your own negligence.

Still, I would make the same decision and steer clear of such lighting fixtures!

CE conformity is a self-declaration by the manufacturer, so essentially the honor system, not an actual certification program like TüV. Items without a CE mark cannot legally be imported or sold in the EU, but there is little enforcement.

The replacement ones that the electrician selected were only slightly more expensive and I was able to clean up the look of them with 3d printed shrouds:

https://www.thingiverse.com/thing:7165347