Looking at Table 4C1; there are various NOTES which allow the derating requirements to be lessened: Apart from 'bunched' cables (so don't 'bunch' 'em) the maximum derating factors for even twenty cables are 0.70 or a higher factor - i.e. less derating.
Indeed - it's "bunched" that is the problem - and whilst I agree that "don't bunch 'em" is the simple solution to that, I've seen many a CU in the vicinity of which at least some cables could probably be described as 'bunched' - and sometimes even under floors and in roof spaces, and I've even seen some where (presumably in the name of 'neatness') the 'bunching' has essentially been ensured by cable ties around a group of cables!
As typical lights, immersion and cooker circuit cables are oversized by more than these factors in the first place and most socket circuits generally also lowly loaded, does that only leave the shower cable to consider for its very short time usage? This can easily be satisfied by (quite small) spacing from adjacent cables or laying with lighting cables.
No real argument with that. Sockets circuits are perhaps the most potentially contentious, because of the unknown nature of future loading - which could theoretically be almost up to the limit of the cable (without de-rating). I think that this could potentially be a problem with ring finals since, if the installation was not Method C, a very small amount of de-rating could take the CCC of 2.5mm² T+E down to below the 'minimum permitted' of 20A - and, of course, if one can't use 2.5mm², it's hard to see what point there would be in even considering a ring final.
We're approaching this in different ways, but I think our bottom lines are the same. You are attempting to find ways of saying that there is unlikley to be a regulatory requirement for a problematic degree de-rating (because of grouping) in a domestic installation, whilst I am saying that, regardless of regulations (i.e. even if one was talking about a situation that, strictly speaking, was non-conformant with regs), I think that common sense still results in the same conclusion.
Kind Regards, John