Is the disposal a small appliance? Answer: Yes
While this had come up at a few of my IAEI western sectional conferences I have been to across many states, the CMPs at those meetings have always answered the same that SABC circuits could not supply dishwashers, micro-mates, disposals, or any other built-in appliances, that are mounted and not intended to be moved from place to place, any appliance the requires a receptacle to be located in a space just for that appliance is not a SABC allowed appliance, there are only three exceptions that are specifically allowed, refrigerator, gas fired range, and a wall mounted clock, now with your thinking why would they needed these exceptions? as under your thinking they would not even needed the exceptions in the code.
Do I think there is a danger in allowing this? well no the breaker will trip when the circuit gets over loaded, but it will create an inconvenience when the home owner tries to make coffee and some toast and the breaker keeps tripping, you can control how much is put on receptacles for fixed in place appliances "210.23(A)(2)" but you cant control what is put on general use receptacles such as ones on SABC. they are put there for convenience, if you have to install a receptacle for a specific mounted in place appliance then it should not go on a SABC circuit, remember even appliances that a home owner can mount to a cabnet is still left up to the home owner where to put it, and your not installing a receptacle just for it.