A 20A radial is only enough for one full-sized load (e.g. kettle or electric heater) plus smalls. As such if I was wring my house with 20A radials. I would want one circuit per habitable room, plus one for kitchen countertop and fridge/freezer one each for washer/drier/dishwasher. That adds up quickly, I reckon if having a house wired with 20A radials I'd want ten or so socket circuits, compared to the typical three with 32A circuits.
Quite so, but it is essentially all down to personal opinions/preferences.
As I often say, whilst I'm very happy with 32A radials (or rings), I'm much less happy with 20A ones, particularly in kitchens and workshops. In a kitchen, I would not be very happy with a 20A circuit for the 'countertop', given that many kitchens these days have multiple 'plug-in' items that each may consume 2-3 kW. For the same reason, I would not be very happy with 2 (or more) 'countertop' 20A circuits, since, even if they were 'labelled' most domestic users would not understand about spreading loads appropriately between circuits.
2.5mm² 25A radials are sometimes possible (depending on availability of MCB/RCBO and cable installation method), and they are a bit better than 20A, being more-or-less able to cope with 2 x 3kW or 3 x 2kW loads.
32A radials require at least 4mm² and depending on installation method can easily require 6mm². The latter in particular as well as being expensive is likely to make termination very annoying.
As above, I'm very happy with 32A radials but, for the reasons you give, I would probably steer away from installing them if installation method was such that 4mm² T+E was not adequate. 4mm² is fine - in fact I personally prefer working with it than 2.5mm² T+E.
However, again as above, so much of this is down to personal views/opinions and preferences - and I certainly agree with you (hence disagree with {predictable!} others

) in saying that those who say that ring finals "are no longer a thing" are merely expressing their own opinions, rather than 'asserting facts' (which many readers might think they are doing)!