I’ve seen Archs. and Contractors do it when there is no engineer involved. And, I’ve seen them leak like a sieve, everyplace except through the glass itself, until that cracks. I’ve investigated water problems and seen instances where you could actually see the grouped units flexing and moving in and out in gusty wind conditions. You really have to get some tall wall framing btwn. stacked groups, or horiz. framing btwn. mulled groups, and they still end up pretty flexible. Archs. never like it, but just show them the ASCE 7 code, and ask them to explain it to you. From the window mfr’s. standpoint, when he mulls them together he is then assuming that his units span from your sill to the header. If he stacks units together he is assuming they span from jamb to jamb, and you will provide. Ask him which way his units and frames span best, and/or which way he wants the structure, and where, for the units he is proposing. You ignore this at your own peril, but many builders have gotten way with it, and been long gone before the problems cropped up.