I mean it depends, but for dual rated stuff has both a voltage and current limit, both of which are way lower. Like typically a 230V/20A AC switch can switch 24VDC/2A. And the energy is not in the equipment, its in the mains (or batteries like you said, or PV panels)

Right, but that's why I mentioned safety equipment. Your common DIN-mount UL-489 branch circuit breaker will be rated for the same trip current, same short circuit current rating (SCCR), but lower voltage. So you can use the same wiring and breakers as you might have with AC and your 48V battery bank won't vaporize the $5 hardware store toggle switch that somehow became a shunt.