Re: golf cart charging..
JTB, what does article 695 (fire pumps) and 510 (hazardous locations) have to do with this?
You are not going to be able to take advantage of load diversity unless you are a registered PE, and can prove the math, and willing to stamp it.
I have designed a lot of DC battery plants, and the trick with batteries is they are treated like a continuous load. When a battery is discharged and connected to a rectifier, it will draw full amperage until the battery is fully charged, typically 8 to 48 hours depending on battery and rectifier size ratios.
Now I have not designed a golf cart garage before, but here is what I do know. The carts are used during the day, and put in the garage at night for recharge. Meaning they will all be connected at the same time drawing FLA for more than 3 hours. Looks to me like 140 dedicated 15-amp circuits with a load of 630 amps on a 240 VAC single-phase service. Just an educated guess.