I'd say a little of both. There's also the inrush currents to consider, which under fault conditions could be pretty major and you'd end up with a massive burning thing where your contactor was.
Inrush currents? Not quite sure how they pertain to the problem at hand which is using a contactor designed for AC to break DC and under fault conditions the problem is not merely constrained to dc and should be handled by protection up stream
There's also the utilisation category, and if you just slap a standard AC-1/AC-3 contactor in and run 120VDC@20A through it and anything ever goes wrong it will be your fault regardless. You could technically get away with doing it as long as nothing ever drifted outside of the perfect conditions you tested it in, but I wouldn't want to put my name to it.
I was hoping for a better explanation. You've simply expanded on "Bad idea" without adding the reason why. If you choose the appropriately size contactor for the application I still cannot see where the problem lies
As for the "utilisation category" it's used to de-rate the device depending on the load and again if something goes wrong you need to analyse the hazards wether you are use AC or DC and are going to have to implement other protection features such as monitoring for voltage at the contactors output when no power is applied to the coil and possibly energising a shunt trip on an upstream CB that's feeding the rectifier.
Yeah, i'm not seeing it either, I mean, Inrush currents? At the same RMS voltage, AC would provide significantly more inrush current, if it closed near the peak of the cycle. As for current derating, it isn't an issue because the RMS heat would be the same... The only issue i can see is quenching the arc, which was the purpose of using 3 phase contactors with the contactors in series.
THAT SAID, if you are using a 3 phase contactor, and in series, i would say use one rated for 3x the current, as generally, current is expected to be shared across the phases/contacts equally, rather than the total current going through each contact individually.
The loads you have specified, a heating element, and a DC brushed motor should have no issue being switched in this method, however, as you will need approval from the rail regulatory body, you probably won't pass with this solution.
Over rated, DC capable SSR is the solidstate way to go, but they are very expensive, a massive DC contactor would be cheaper, by far.