i am not sure what horse power disposal that is but they make larger ones and if that dishwasher is running in drying mode and you flip that switch on that disposal, you will trip that breaker.
Actually - you probably wont trip it -
most breakers will hold well over their rating for quite some time, but that's not the point.... The permissible load, and the protection of the conductors is...
In the example of with the 12 and 7 = 19
If one of those gets swapped out to gain
just more than one additional amp it would definitely be a violation -
no question - but the breaker would probably hold 25A for ten minutes or more before it tripped.
Either way - I think it is poor planning for the future... And if some inspector shows up at finish and adds the two up - and you find out the hard way that the plumber up-graded to
this 10.2A beast, with your dishwasher at 12A - then picks up the instructions from inside it, and it says....
Electrical Requirements
? This appliance must be supplied with 120V, 60Hz., and
connected to an individual properly grounded branch circuit
protected by a 15 or 20 ampere circuit breaker or time delay
fuse.
At that point you're screwed and failed to CYA.... JMSO
Sure in many cases you could put "Generic" DW, and "Generic" GD together on one 20A - but there are cases you cant.