210.52 B 2 Says the two or more sa branch circuits specified in B 1 shall have no other outlets. Your appliances would be considered other outlets as they are not listed in what the sa circuits can feed. The picture in the handbook is not the code. I don't have it in front of me but I bet the example shows a clock receptcle not a garbage disposal. The DW and disp do not necesarily have to be on their own circuit depends on the load. Also they need not be 20 amp circuits. My editorial. Do you really think using a small appliance circuit to feed a dishwasher AND a disposal AND who knows what else will be plugged into the circuit is a good idea?