I think we're making more of this than needs be. We can eliminate all debate by simply trading one $20 item for another!
That is ... eliminate the HVAC disconnect. Instead, put in a 2-space / 4-circuit panel. Your wire is now a feeder, not a branch circuit.
The breaker can be used as a disconnect for the HVAC, and you have another two circuits available- say, one for lights and one for the service receptacle.
