I wouldn't dispute anyone's opinion and experience with the tunnel and what may or may not work better.
Taking the tunnel cover off and doing any kind of work down inside of it is not easy under any circumstances.
I do not have access holes on either side of the tunnel and both the red cube as well as the fuel pump are installed inside the tunnel.
Those 2 items need little or no maintenance, at least in my airplane. My filters (2) are installed under the seats, one for the left and one for the right.
Access is very convenient, only downside is you need 2 of them. (serviceable airflow performance filters)
When doing annual CI it is fair to assume that your seats are out and you probably should have at least visual access to all of the tunnel not just what you might see through an access hole or with a camera. When the seats are removed, it is a fairly easy task to remove the tunnel cover provided you outfit yourself with the right tools before you stretch out under the panel.
The key is not putting anything down into the tunnel that needs service, like the fuel filter. I most certainly would not extend the instrument panel downward to obstruct access to the tunnel cover.
An access hole might offer convenience under certain circumstances for tool reach and such but thinking that you could actually fix something through an access hole is a bit of a stretch not to mention containing a fuel spill while servicing a filter.
The tunnel sidewalls are around .040 gauge material if I recall and must be of some structural importance, me thinks.