Sierrasparky,
"Yes it would. What I don't know is why the manufactureres do this other than so they can charge more for a more breaker listed panel. I say this as I have on the shelf some 20/20 panels and some 20/24 panels. Each one has the same thickness buss bar, each one is rated at 125 amps, each one has the same number of spaces. BUT.....
The 20/24 panel has a section cut out of some of the stabs to accept twin breakers. That makes less buss mass than the 20/20 panel.
Other than the sticker on the panel why can't I place a twin in the 20/20 panel."
Based on what you just wrote,I'm confused like you. I hate not understanding something,especially when it doesn't seem to make sense.