Exception No. 3: A single-family dwelling unit and a separate structure shall be permitted to have one set of service-entrance conductors run to each from a single service drop or lateral.
This means you could bring the drop to the house, hit the meter can then split into two service entrance sets, one going into the house and one going to the garage without a disco until you entered each building.
I should have cited this back up there when I first brought it up.
Assuming his AHJ has not amended it, Trick could just move that disco to the garage and feed it with 3 wire.
