Bordew,
I agree with you that these combination units are required to be on a 20 amp circuit, by virtue of the 1500 watt heater. 1440 watts is the 80% limit for a single load on a 15 amp circuit. And 1000 watts is the limit for any fastened in place load that could be added to the bath circuit, if the circuit is used for that one bath only (outlet, and including lights, etc.). The installation cost (a 20 amp circuit) of the heater in this combo unit is dictated by the size of the heater. No way around it.
But if I wire only the bath outlet on the 210 required bath outlet circuit (as is my option), and have the bath lighting tagged onto a general lighting circuit, what's to keep me from putting the combo unit fan/light/nitelite on the gen ltg ckt?...instead of the heater 20 amp circuit. The internal construction of the combo unit results in multiple neutrals being in its j-box for connection to the field installed wiring, so the manufacturer is making it possible for the field installer to hookup the neutrals in any grouping. It's up to the field installer to do it to code.
I understand that your AHJ wants to see one cable or conduit cause that simplifies his inspection. . .doesn't have to question the installer as to his/her understanding of 300-3(b), or open the combo's j-box to look for separated neutrals. . .but I think that's the AHJ's local spin.
Now, for the sake of discussion, in this hypothetical big bath (no jacuzzi) with two blow dryers (and maybe two bath outlet circuits. . .but that's another story. . .) what's to keep me from feeding the night light continuously (say I put in a LED bulb, less energy loss), switching the light at the door, switching the fart fan at the WC, and putting a spring wound timer for the heater at a location convenient to where one drys off? The extra work really isn't a problem cause the client is buying a really BIG bath and can afford my contract and I saw this on the prints so I included it in the contract. I feed the heater at the timer off its own 20 amp circuit, and tap the feed for the night light off the general lighting circuit and drop two switch loops to the WC and the door to the bath. By my count, I get to shoehorn one 12-2 and three 14-2s into the combo's j-box. The heater neutral is connected to the 12-2 and the rest on the neutrals are connected to the 14-2 feed.
That's what I call a version of a designer install. What do you think?
Al