This rule is tagged as based-on-misra, which means we took MISRA into consideration when designing this rule, but our goal was not to make a rules that 100% matches the MISRA specification.
Nevertheless, we agree that in this case, setting the limit to 3 is not a good idea, and we had already created a ticket to change that. You can follow its progress here: https://jira.sonarsource.com/browse/CPP-2437