As am I, which is why I called you on it, and your assurance isn't reassuring at all.
Admittedly, I am not a practicing structural engineer specializing in steel high-rises, but from the sound of it, neither are you.
Maybe we aren't comparing apples to apples. From what I recall, the safety factor is the ratio of the designed failure load and the maximum allowable load. A Safety factor of 20 would require that the structure can support 20 times the allowable load before failure.
Yes, I do not design, but I am a submarine officer. I've seen the design studies comparing our allowable operating limits and the projected failure points. It's required reading, and I can recall nowhere in the nuke plant where our operating loads are only 1/20th of the designed failure loads. And it seems from damn near every engineer I speak to seems to think that our plants are overengineered like none other.
I would expect that snow, wind, ice would be accounted for in the allowable load. It seems reasonable that loads which will regularly be applied to the structure would be taken into account before applying the safety factor. I'm not saying that every load is considered in its utmost extreme (the highest ever snow fall, category 5 hurricane winds, building packed to the gills) at the same time, put since people and gear in the building can easily be seen to exert a different type of load on the structure than wind will exert, they should be considered together, rather than hiding wind loading behind a safety factor without reference to other structures..
Yes, a nuclear sub isn't a high-rise, but solar systems are either. I briefly looked online to see if I could find reliable, and repeated instances of building materials with high safety factors. IIRC, most building materials were around 2. Wiki claims a factor of 2 for buildings.
And, my gut tells me that there will be a limit to the safety factor as the increased weight from the structural material will reach a point where more structure is applied only to support more structure. If someone where to ask me if a safety factor of 20 was even possible in this application, I'd say I don't know, but don't think so. 2?3?5? Definitely seems probable.
So, again, where did this 20 come from?