They test for worst case scenario because it happens. We have all lit the stove then got distracted forgetting to shut it back at one point or another. The thickness of the sheet metal doesn't matter much. The fact that it is polished probably helps a little but not much.You also have to keep in mind what UL testing is for. It's for a worst case scenario where some unknowing homeowner installs the stove with absolute minimum heat shield up against a cedar shake wall with fur balls and old newspaper accumulating behind it.
My installation is unique and I know that my heat shield will far outperform a chunk of tin somebody finds at the scrapyard (I've seen installs like that). This is 1/16" thick polished aluminum spaced exactly 1" out with non combustible minimum contact spacers.
UL gives a heavy margin of safety for the minimum install. This stove and trailer will never be sold or used by anyone other than me.
I am just trying to give you advice to keep you safe based upon years of seeing things done wrong and what can happen in that event