Why is this always such an issue? I understand what the code allows, I have read it with my own two eyes. But, every electrician I could ever get in to a conversation with, every inspector I called locally to ask about this (3 of them, different companies), all seem to think that this is not really an issue.
I think you answered your own question and made my point.
You say your aware of the minimum NEC requirements but chose to install material that does not comply. You must be more knowledgeable and experienced than all the hundreds of individuals that make up the multiple committees at NFPA that are responsible for maintaining the years of research used for updating and publishing the NEC.

You should let the NFPA know they have made a mistake because you have talked to every electrician and home inspector in your area and they all said they don't see an issue with your installation.
I would say the folks you talked to may claim to be capable but I would say they fall right into the group I described as incompetent based upon the response they gave you.
The NEC as written is the MINIMUM safe methods required for an electrical system. I always smile a bit when someone says they built their system "per the code book". That tells me they have the cheapest electrical system possible. I don't like cheap, especially when it comes to the one system in a building that can turn all your time, money, and efforts into ashes and possible kill someone. I understand some have budgets to keep but a little extra can go a long way on improving the quality of an electrical system.
A final note on inspections...The local AHJ has the responsibility to confirm the installation is code compliant not just for your use but also for the future property owners of the building.
When you install a under sized circuit, are you going to tell the potential purchaser of your building to be careful and don't overload that circuit because the breaker is not rated properly?
How about the guy who back-feeds his panelboard with a generator and decides not to use a transfer switch...Is he going to tell the next home owner to make sure he opens the service main before starting the generator or else a lineman could be killed? This is why permits and inspections are required.
JP