Jon & Tom understand I have no inside knowledge on this subject and do not have the option of using this table at my job.
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You both bring up some interesting points to think about, the problem I have is there is nothing in that article that talks about diversity.
Another problem I have is if you calculate the loads for both panels in the same way it will not make a difference.
As an example a subpanel sized to feed only two outside air conditioner compressor condenser units.
They both have a minimum circuit ampacity of 50 amps, we install a 100 amp subpanel using Table 310.15(B)(6) which requires 4 AWG CU with 75 C or 90 C conductors.
This panel at most see a load of 80 amps, as the tag on the HVAC units already includes the 125% increase required by 440.
310.16 lists 4 AWG CU @ 75 C as 85 amps, so how would this be a problem?
