Since you often raise this point, I've been thinking about it. If a bare live conductor was within an enclosure which didn't have an earthed conductive covering, there would be a requirement for it to be protected by 'double (or reinforced) insulation'. Are you therefore suggesting that the requirement for cables is less demanding than for enclosures - i.e. are you actually certain that there is not a requirement for the sheath to qualify as 'insulation'?... you should know that cables are not "double insulated" - the tails you refer to are insulated and sheathed.
Kind Regards, John