Would that not be quadruple heating?
My understanding, for what it's worth...
Current UL testing puts a load breaker(s) right next to the main breaker, and they turn on load equal to the busbar rating. (Also they raise the temp to whatever the max temp the panel is supposed to operate at, etc.)
Presumably they put the supply and load right next to each other because this concentrates the heating in essentially one location and tests the dissipation from the concentrated area.
If we had a '200% rule', the testing procedure might involve putting the second source and load at the opposite end. Or, concentrating all the load in one area.
If the opposite end, then it's just twice the heating; an equal amount of heating added, in a different location.
If they concentrate all the load in the middle or something, then it could be 4 times the heating for the load, and twice the heating for the supplies? Thus three times overall? (6/2) But your panelboard might have restrictions on branch breaker size that make this not a real situation anyway.
I still think there should be an expanded standard that allows listing to specific configurations, and a code exception for that. Not that I'm in a position to make it happen.