I recommend doing some research, read the docs for the switches and play with the switches you receive to see what options are available.
There are several threads here talking about UPB.
Using Simply Automated switches, the US2-40 operates using links only, but has the flexibilty of multiple faceplates, the US11-40 can directly control a load from the rocker switch in addition to responding to links, but the faceplate options are only a single rocker (or IIRC a double rocker).
In your example, I assume there are times when you want to control the light only and other times when you want to control the fan only and still other times when you want to control both simultaneously.
If you had a dual gang box, a switch for the light and a switch for the fan both with single rockers.
If you used US11-40 switches and enabled local control, if you depressed both rockers at the same time they would both operate.
They would also operate indepently.
If you used US2-40s, both with single rockers, and depressed both simultaneously, one of the loads would not activate. (There is a way to enable local control on a US2-40, but it still uses links and there is still a collision possibility, so I usually don't use the option).
You could do something with a US11-40 where a single tap of the rocker controls the local load and a double tap transmits a link.
So you could have the fan wired to a US2-40, with a multi-button faceplate to use as a link transmitter, and have it respond to the link from the US11-40 or it's own links.
If you used two US2-40s, you would have to configure the links to produce the resulting behavior you wanted, or just press one rocker after the other rather than both simultaneously.
A dual rocker on a single US2-40 would be a problem if you tried to press both rockers simultaneously, one of the links would be lost.
If you are talking about a US22-40 dual load control switch, you still have the simultaneous press problem, each channel of the 22-40 needs to receive a link to operate, if those are transmitted simultaneously, one will be lost.
As I said, it's very flexible and the simultaneous switch press isn't really an issue, there are many ways to skin that cat.
I think you may be making to big of an issue out of it.