Re: Section 408.15
Max. number of brkrs in a panel board is 42.In this instance the manufacturers fo most panels,in a rare moment of uncharacteristic foresight,anticipated exactly this debate--they put a schematic on the back of the panel door which indicates if that panel will accomadate any twin brkrs. and exactly where those brkrs. may be placed.
The short story is you won't find a 40 ckt panel that can have any twins or quads in it.They may only be used in the 30-40 panels,12-24,etc..
The aim is to keep people from twinning a panel to death.
If you put a twin in a 40 slot panel you've just violated the listed use of that panel and made yourself the liable party should ANY elec. problem arise[from the insurance company's point of view].