Doug I like the clear warning.
This application is covered in Article 225 Outside Branch Circuits and Feeders.
225.31 is the section that requires a disconnect and 225.32 tells us where the disconnect has to be. The disconnecting means shall be either inside or outside at a readily accessible location nearest the point of entrance of the conductors. There are also some exceptions but they are not applicable to a detached garage.
225.33 limits us to not more than six switches or six circuit breakers mounted in a single enclosure, in a group of separate enclosures, or in or on a switchboard as the disconnecting means.
Bob