There is also a bit of judgment to be applied:
e.g. lighting circuits: If you have a smallish house and a largish family, or any size house and one or more teenagers, it is likely that all the lights will be turned on at the same time. So I would assume 100W in every ceiling lamp when calculating load (sensible people will then fit CFLs)
Cookers: On Christmas day (I always say) you will have the turkey in oven 1, mince pies in oven 2; brussel sprouts, gravy, bread sauce and pudding on all the rings. These will all be cycling on and off on their thermostats once they have come to temperature, but some people will turn them all full on at the same time, so (I say) the cooker circuit should be sized to max appliance load, otherwise it will trip on Christmas day (but probably not the rest of the year). Worse still, after it has tripped once, all the heating elements will have cooled, so they will all be full on until they come back to temperature... so it will trip again shortly after you reset the MCB or replace the fuse
Kitchen and Utility Sockets: The circuit that provides the room where you keep your laundry appliances is likely to have the washing machine and the tumble drier running at the same time, but taking (about) 13A. If you have any other heavy loads (dishwasher, electric heaters) on the same circuit, you can expect to trip the MCB from time to time. If you have a big family and run the kettle, toaster, George Forman grill, Coffee maker and sandwich toaster all at the same time for long periods, they can also push it over the edge. However a small family will usually only run those appliances intermittently, for short periods, so not have the problem. This is why it is increasingly common to have a separate 32A ring or radial for the kitchen, in addition to one for the rest of the ground floor.
Other sockets: Unless your central heating has broken down and you are using several fan heaters or electric convectors, the socket circuit will be very lightly loaded. Most things plugged in will be TV, Video, DVD, PC, table lamps etc, which have a very light load, and you could put a plenty of such appliances on a 32A ring without overloading it.