... to 6A. Then 5 years later the home owner replaces some single fittings with 'multispots' 12V halogens. The lights now trip every time they're turned on so the owner calls an electrician out who puts a B10 in.You wouldn't use diversity deciding which switch rating would be suitable but you would limit the load at the circuit design stage.
Put it another way, you wouldn't put in a 63A fuse into a 32A TPN switch disconnector and say "well that was the only fuse I had in the van, but it'll be alright 'cos I've measures the load and it's only 30A, and besides which the cable's thick enough to take it", would you?