At the moment, I can't think of any other more specific way to convince you guys of the "merits" of 120% sizing of conductors... but it seems you both question 120% sizing of conductors yet do not question 120% for the busbar rating. What makes the busbar rating any different? Ask yourselves, is it the insulation? Is a busbar's rating determined by its insulation? Why must a busbar be rated for not less than 84% the sum of OCPD's supplying it? ...and why is it required that when the sum of supply OCPD ratings exceed its 100% rating, the supply connections are required to be at opposite ends of the busbar?
You are now extrapolating the argument to questions outside of what it has been about. I was answering ggunn's narrow question about whether an AC combiner panel would be safe, not whether the 120% rule is a good idea in general.
The fact is that there could be lots of installations, besides AC combiner panels, that would violate 120% rule or the 'opposite ends' rule but would probably be perfectly safe. For example:
-Installations where the sum of the OCPDs for the loads is less than the largest supply OCPD.
-Installations where all the loads are connected in-between two supplies, and neither supply exceeds the rating of the busbar.
-Installations where the loads that are not connected in-between the utility and solar do not exceed the sum of those two OCPDs.
-Installations where all the OCPDs (loads and supplies), except the utility supply, do not exceed the rating of the busbar.
(In all of these cases, assume the utility supply OCPD does not exceed the rating of the panelboard.)
The last one has been proposed for the 2014 NEC, and it would deal with the AC combiner panels, and cover ggunn's example. We'll see if it makes it into the actual code.
For the CMP, I think there are three problems:
a) testing procedures for listing panelboards do not directly test any of these scenarios.
b) their fear that safe installations could be easily made unsafe by an electrician who comes in later and modifies something.
c) Coming up with sufficiently simple language that covers all the possible cases.
Hence the simple but very conservative 120% rule.