It would if you consider the detached garage not to be a load "associated with an individual dwelling unit." The feeder to the house would still be supplying the "entire load" of the dwelling unit in that case.
If you say the detached garage is definitely a load "associated with an individual dwelling unit," let me flip that question around for purposes of discussion. Supposed you have a house with no garage and a 200A service supplied by 2/0 Cu service entrance conductors. And the owner decides to build a detached garage, and supply it with a separate set of service entrance conductors (after the meter) run to a service disconnect on the garage. Now you're saying that the service disconnect on the house has to downsized to 175A, or the house SECs have to be upsized to 3/0 Cu, because the house service doesn't supply the "entire load".
I think that leads me to suggest that whether a detached garage is a load "associated with an individual dwelling unit" should be at the discretion of the electrical designer and could go either way.
Cheers, Wayne