I think we have two different situations, one where in the control of an ordinary person, and second where in the control of a skilled or instructed person. With type tested distribution units (consumer units) we are to start with limited to a 125 amp supply, in real terms a 100 amp supply, and we have to consider items can be changed without talking to a skilled person. So when a hob is swapped from a 13A to 32A the owner may well simply upgrade a MCB/fuse/RCBO without reference to any paper trail, so if some where along the run an 6 mm² cable has a 2.5 mm² cable in some way spliced to it, then the owner may cause overload to the smaller cable.
However with an industrial premises one would hope documentation would highlight any such problems.
I would say the 3 meter rule is to allow one to supply a board from buss bars with a cable large enough for the board, rather than one large enough to take the whole supply to buss bars. Looking at regulation 433.2.2 in old 17th Edition. The
the position of the protective device has neither branch circuits nor outlets for connection of current-using equipment
leaves some questions, where a board has for example a 32A, 16A, 6A and 6A MCB's is that considered as limiting the input to 60A so it would be OK to feed it with cable able to carry 60A even if from a 100A fuse? Or would the main isolator need to be a 60A trip to ensure if a MCB is changed then you can't have an over load?
As skilled if we went to a board and saw the supply was not man enough we would highlight this, although a ordinary person can't put in a new circuit, as far as I am aware nothing stops them swapping the 6A MCB for a 10A MCB because they have fitted a load of 2" quartz lamps in the kitchen.
So consider a domestic premises similar to my own, clearly marked DNO fuse at 60 amp, the supply goes to a henley block and then to a consumer unit and fuse box, the consumer unit only supplies the old garage which has been turned into a granny flat, the fuse box supplies main house, and one could clearly use 10 mm² cables for both supplies rated we will say at 64A with installation method C.
With two showers, both electric, two cookers, and other loads it would be easy to exceed the 60A incoming supply and rupture the DNO fuse, they could easy replace the fuse with a 100A if the cable to the Consumer unit is 16 mm² or 25 mm² even if the house fuse box only has a 10 mm² supply. Specially since the fuse box hidden in the ceiling. Seeing a 10 way consumer unit one would not expect to find a 12 way fuse box hidden in the ceiling.
One does see Henley blocks feeding extras in old houses, often some thing rather small mother old house until re-wire the Henley block fed a fused isolator which in turn fed the battery charger for the stair lift, no more than 1 amp load. It also fed a fused isolator to the shower the two additions both looked the same until one inspected to see fuse size.
I didn't know which was which, and likely neither did my dad. And there was no paper trail, even when stair lift fitted by council social services.
In the house I am now in, the surveyor who did the house buyers report stated that the fuse box hidden in ceiling that feeds all of the main house was redundant, so we have a paperwork trail to show not used, even when in reality it feeds whole of the main house. My late sisters house was wired side to side, good idea really, as if either ring fails, one can maintain essential stuff like freezers without needing extension leads up or down stairs, and the loop impedance for the two rings is better, and the loading more even. However one does not expect a side to side split, so one can make errors with isolation. If it was a commercial premises I would say very good idea, but in a domestic one has to consider not under the control of a skilled person.
So in premises under the control of skilled persons if it follows BS7671 then no problem, but in premises in control of ordinary persons we should try were we can to do the normal so what the owner expects is actually what they find.