Fundamentally I tend to agree with your premise, however you could take it
to the absurd, like splitting 4/0 among eight or so terminals. I think the
intention of the code is that equipment should be used as intended by the
manufacturer. Since the manufacturer's make lugs of all sizes, buying the
proper sized one would seem more reasonable to me. There is also the
"workman like manner" rule
Check with your electrical supply store. There's an adapter block ( I don't
know what it's called) available that takes up 2 spaces on the ground bar
and has a larger lug on it.
But, as another poster mentioned, #4 should fit. Try running the screw
almost all the way out. #4 wire fit my CH panel, but it took some effort to
get it in there.
Go to a electrial supply shop and get an add-on neutral lug for your
panel, remember to follow all electrial codes. ;)
Example of what one looks like: http://www.urlbee.com?7778
or google "neutral lug"
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