Shortcircuit, I agree with George that you are right.

Using the "other sides" logic would mean that once you install (1) 50 amp breaker say for a range and (3) 30 amp breakers, say for water heater, dryer, and well pump, you would only be allowed to install (3) 20 amp breakers in a 200 amp panel before you'd need to up size the feeder or service.

This would mean that the required branch circuits for the Small Appliances, Bathroom, Laundry, AFC"s for Bedrooms and General lighting loads would put most 100,125,150, and 200 amp services out of any installation. [Linked Image]

Roger