I do not believe that would be a code compliant installation. That would be the same as putting an 80a inverter circuit in the 200a meter main. You would start the calculation with the sum of the inverters max output. Take worse case 16a per 20a breaker = 64a. That would still put you 24a over the largest solar back feed you could put into a 200a main with a 200a rated buss.
The difference between a sub panel and a combiner box is loads. Combiner boxes have no loads, with the exception of the communication circuit. So when you say “sub panel/combiner panel” that is not a correct statement. It is either one or the other. You can put power sources into a sub panel but you can not put loads into a combiner box / panel.
I disagree. The busbar protection rules we have in 705.12, do not specify what the panel's application has to be, in order to use any given rule. There is no distinction in these rules between combiner panels and panels with a mixed application of sources and loads. The rule about summing up breakers to the busbar ampacity, doesn't "care" whether the breakers are sources or loads. They could ALL be sources, they could ALL be loads, they could be a 50/50 mix of sources and loads. No matter what current you draw/supply among them, and no matter what physical arrangement they have in the panelboard, the total current on the busbar will not exceed the busbar rating. Likewise, the total heat generated among the breakers, will not exceed what it would be, if a the breakers were load breakers, all drawing no greater than the ampacity of the main supply.
The reason we have the 120% rule, and its less-often used 100% rule counterpart, is that load panelboards in general are routinely populated with breakers that add up to far greater than the busbar rating, and far greater than the main supply. The panelboard depends on its main breaker, to stop the load on the busbar from exceeding the the main supply. And it depends on load diversity for it to be an unlikely event that you trip the main breaker. When you backfeed it with a second source, there is a chance that the two sources will add up in excess of the busbar rating, and the overload becomes a blind-spot of the main breaker. That is what could happen, when the panelboard is filled with numerous breakers that total a lot greater than the main supply. The 100% rule safeguards against this, when you interconnect on the same side as the main supply. The 120% rule enables you to take some credit for Kirchhoff's current law (KCL) so that you can have some headroom to interconnect on a panel with a main that matches the bus, and is an industry compromise for why it is 120% instead of 200% as KCL alone would seemingly allow.
If the breakers don't total to be greater than the busbar rating, it is a moot point to anticipate a condition of overload that could exceed the busbar rating. The branch breakers themselves, stop that overload condition from happening, and do not depend on the main supply to do it for them.
By using the scenario of breaking out enough loads from the main panel into a subpanel, to take credit for the rule of branch breaker summing in the main panel, you are taking the risk of tripping the main breaker out of the main panel, and moving it to the subpanel and its supply breaker instead.