Maybe that's why the limit is 0.35 for new supplies (are all tn-c-s) and they will offer to convert you if they are doing other work.
Maybe - but then, if the DNO's fuse provides adequate fault (and overload) protection for the tails, even if a 100A fuse, then that will often (usually?) remain the case for any likely length of tails, won't it? As I said before, the increase in loop impedance due to tails is unlikley to be 'appreciable' unless they are extremely long.
Also, if the ze is 0.8 then that means you could indeed have a 100a supply without fault protection on the tails (hence the reg mentioned) therefore you could be compliant with bs7671 by keeping the length to 3m, making damage unlikely, and Henley blocking into two or more lower rated circuits to get your full 100a.
I think there may be some confusion over these regulations. There are actually a pair of relevant ones, 433.2.2 (which has been cited and discussed) and 434.2.1, which are partially 'mirror images' of one another.
The reg which has been discussed (433.2.2) is about
overload protection - which it says that (although still required)
may be downstream of a reduction in CSA if
EITHER there is adequate fault protection
OR if the part downstream of a reduction in CSA is <3m and 'with damage unlikel'. I'm not sure that is really relevant to what we are discussing, since there is not usually going to be adequate overload protection of the tails at the DB/CU end of the tails.
Reg 434.2.1 is about
fault protection - which it says that (although still required) and provided that 433.2.2 has not been invoked (i.e. overload protection provided downstream of a reduction in CSA)
may be downstream of a reduction in CSA if the part downstream of a reduction in CSA is <3m
AND 'with damage/fault unlikely'.
So, as I see it, neither of those regs allow for the omission of either adequate overload protection or adequate fault protection of the tails. they merely allow for one or other (but not both) of those protections to be downstream of a reduction in CSA.
For every bs7671 circuit you would check ads so there's no excuse for not doing it on a (sub) main.
Indeed, but with 16mm tails and a 0.8Ω Ze, that 'checking' is likely to show that if the (upstream) protection is from an 80A or 100A fuse (in cutout and/or switch-fuse) that the fault protection of the tails is inadequate. One could, as I think you are suggesting, split the distribution into two or more switch-fuses, each with a fuse ≤60A, but that would rather frustrate invocation of 'across installation diversity' - e.g. the tails supplying a shower circuit would probably have to be dedicated to that circuit.
However, my personal installation illustrates a couple of other issues.
Firstly, as has been somewhat discussed, I don't think it can be said that there is any 'reduction in CSA' at the origin of my tails. The supply enters my house (and remains the same for tens of metres (overhead) upstream of my installation) in ~16mm² and all my tails are at least 16mm². That being the case, it appears that neither of the above regulations apply.
Secondly, mine is a TT installation. Only two of my many CUs are within 3m of the meter, most of the distribution circuits being pretty long, and, as things have been done, are protected at their origin by 60A or 80A switch fuses. However, although all final circuits are RCD/RCBO protected, I have retained the 'up front' TD RCDs in order to provide adequate fault protection for the distribution circuits. That being the case, I think I could theoretically invoke 433.2.2 and omit overload protection (i.e. NOT have switch-fuses) because, despite their length, the tails enjoy adequate fault protection (from TD RCDs).
Kind Regards, John