I get it. BTDT on cars many times. Design is the art of compromise and the engineer has to decide what takes precedence. My mantra when someone says "there is no reason to have done such and such in a design" I respond with Every design choice was made for a reason. Now it may not be a GOOD reason or one you agree with, but there is a reason.
Vehicles have hundreds of thousand parts and systems. While many of those are common and well understood, some things will be new and might come with some unexpected failure mode that you don't find out about until some time down the road. Lab testing can help but it is never an exact replica of real world conditions. So if you don't expect item A to ever need replacing, then why would you worry about access for repair? Then it turns out to become a problem later on and uh-oh...
Then you get into the fact that there are many teams of engineers working on many systems. So why does the oil filter sit behind a cross member? Structural body team is different than engine team and they either didn't catch it or could not change it for a number of reasons.