It could also be exposed to transients. Likely not the full gamut of say ISO-7637, but a subset perhaps.
Shorted or crossed wiring faults can also happen, whether due to aging wiring, or rodent damage, or water damage, or etc. Or the worst scourge of all: aftermarket parts and too-clever-for-their-own-good end users / shade-tree mechanics.
If we're talking tungsten light bulbs, the startup current might well look damn close to a short circuit. Again, something an oversized MOSFET can handle, but given some massaging of the SOA, a current-limited circuit might be cheaper (smaller die area). Assuming the control circuitry is low cost, of course (which it can be, if integrated and purchased in the millions qty -- as protected switches are).
Tim