As long as the pipe isn't a head-banger, and will not interfere with
removing the front of the panel when needed, not a problem. Not ideal,

It's not as long as your smaller than 6' 10".

but reality seldom is. I'm no code expert, but a 3-foot clear zone in
front, floor to top of panel, is what 'they' always told me. Should be a
common sense thing- are any pipes placed where they are likely to leak
on the panel,

If the pipe was dripping it would not drip onto the panel, but if
there was a pierce or pin hole that sprayed I would think the pressure
in the pipe could force it to spray the panel.

and can an electrician get in there to make repairs as
needed, without tearing anything out?

Yes. Nothing would have to be removed to work on the panel. There is
plenty of clearance.

Thanks
Amy