I can monitor what a socket uses

and I can also see what I am using for the whole house,
with my solar software, one could use as said a clamp meter

here shows looking at earth leakage, and the old yellow one was giving a poor reading and the jaws were not seating well, but it is rather old, bought it in Hong Kong when it was still British.
A radial can't be overloaded, the MCB/Fuse/RCBO is smaller that the cable capacity, only the ring final can be overloaded if the load is near the origin. If near the origin the load on the two cables will not be even, So we have a 32 amp overload and 20 amp cables, so the instructions
advise on their use, and how they should be arranged, with
The load current in any part of the circuit should be unlikely to exceed for long periods the current-carrying capacity of the cable (Regulation 433.1.5 refers). This can generally be achieved by:
(i) locating socket-outlets to provide reasonable sharing of the load around the ring
(ii) not supplying immersion heaters, comprehensive electric space heating or loads of a similar profile from the ring circuit
(iii) connecting cookers, ovens and hobs with a rated power exceeding 2 kW on their own dedicated radial circuit
(iv) taking account of the total floor area being served. (Historically, limit of 100 m² has been adopted.)
The "rated power exceeding 2 kW on their own dedicated radial circuit" for equipment likely to use high current for an extended time, has been done for years with the immersion heater, but next down the list must be a resistive clothes drier, these can run for an hour at 2.5 kW so we really should put them on a dedicated circuit.
However, it is tradition, from the days of the twin tub washer, we have used the kitchen for one day of the week as a laundry room, and since no cooking done on that day, it was not a problem, could not really cook with a twin tub in middle of the floor, but as we moved to front loading machines, and then added a drier, this is now the biggest single load on a ring final.
It was the electric fire, but as we have improved the insulation in the home, we have moved away from 3 kW electric fires, now 2 kW seems to be the limit, with oil filled radiators down to around 850 watts, and most are thermostatically controlled, I remember my parents with a 4 bar fire, but these have long gone.
Only time I have seen a ring final at its limit, is a new build where the builder was trying to dry out the house, for me the smart meter does not help, due to having solar and battery, but normally they do show how little electric we use, my highest draw is likely mid-summer with the AC running.
Why are you worried?