I think you are forgetting 225.36
Nope just trying to dismiss it.
225.36 Suitable for Service Equipment. The disconnecting
means specified in 225.31 shall be suitable for use as
service equipment.
Service Equipment. The necessary equipment, usually consisting
of a circuit breaker(s) or switch(es) and fuse(s) and
their accessories,
connected to the load end of service conductors
to a building or other structure, or an otherwise designated
area, and intended to constitute the main control and cutoff of
the supply.
Service Conductors. The conductors from the service point
to the service disconnecting means.
Service Point. The point of connection between the facilities
of the serving utility and the premises wiring.
Service. The conductors and equipment for delivering electric
energy from the serving utility to the wiring system of
the premises served.
Disconnecting Means. A device, or group of devices, or
other means by which the conductors of a circuit can be
disconnected from their source of supply.
Then other than the exceptions I could never have a disconnect on a residential outbuilding rated less 100 AMPS.
225.39
(C) One-Family Dwelling. For a one-family dwelling, the
feeder disconnecting means shall have a rating of not less
than 100 amperes, 3-wire.
Since I see a conflict I go to 225.38.