Federal regulations limit the maximum flow out of individual heads. Washington state recently implemented a new regulation that limits the maximum flow of the aggregate shower head volume. They may have built that shower panel to conform to the worst case situation in the country so they didn't have to stock multiple variations of units.
And, no, code does not require shutoffs for individual fixtures. If that panel has a common wall with another interior room, you could put an access panel there and install some. Individual shutoffs built into tub/shower valves is not standard, while optional on many. Primarily, it helps during construction...by the time you might need them later for maintenance, many won't realize there are there, and to get to them, you have to remove the trim, while changing a cartridge typically does not, so it's possibly faster to just use the main shutoff as you might have to recaulk, depending on the trim used.
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Jim DeBruycker
Not a pro, multiple Schluter Workshops (Schluterville and 2013 and 2014 at Schluter Headquarters), Mapei Training 2014, Laticrete Workshop 2014, Custom Building Products Workshop 2015, and Longtime Forum Participant.
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