Indeed. As I'm always saying, 'proper design' of a sockets circuit is simply not possible, since it requires a crystal ball.In the case of a socket circuit, it is difficult to allow for all scenarios when designing a circuit. Therefore I feel there is always a possibility of end users overloading a socket circuit.
I must say that I often tend to think like that - unless the location is such that only very light loading is likely. I have no problem with 32A radials, but 20A is less than "two plugs full", and if there are multiple sockets on the circuit, I would often find it impossible to feel confident that a load >20A was 'unlikely'. I do have some 20A sockets circuits, but they are 'intended for' (and only 'likely' to be used for small loads (e.g. multiple electronic devices).But, and I think this is where we differ, I feel that if you think like that, you would never install a 20A socket circuit.
If I can attempt to 'referee' a bit, I think that's what, in practice, it's about - what a designer 'considers likely'. Agreeing, as above, that a designer can never know for certain how a sockets circuit is to be used, if, for whatever reason, a designer feels it 'likely' that the circuit will sometimes be asked to supply a current >20A (26A or whatever) then (s)he should not really design it as a "20A circuit", with a 20A OPD.
Kind Regards, John