I think it would depend on the type of panel and location. A panel designed for quick release shouldn't be a problem they don't provide much structural support. A structural panel that is only designed to come off at some specified maintenance event I would say probably not if it is adjacent to an external load or even if there is any external load on that wing or fuselage area. It would be possible for the structure to distort so much the panel couldn't be put back on. So if you got a plane loaded up and the fuel system fails, no problem pulling engine cowlings to change a pump, regulator or servo. A hydraulic cylinder blows seals in the wing next to a panel put in with structural screws you probably have to unload before pulling that one.
_________________ "I can't understand it, I cut it twice and it's still too short!" Robert F. Dupre' 1923-2010 Go With God.
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