I like the gutter idea. The only thing I would consider is to leave the cables on the plaster board ceiling and place the guttering over them before laying the insulation on top, I wouldn't trim the thickness to fit the gutter, just let in compress at that point. With the drain pipe ends to allow some air circulation I feel that would be safe. I notice there is a rating for cable with one side in contact with plaster yet apparently no data about the other side of that cable other than it must not be in contact with insulation. I caould find not specification about how much free space there must be around the side of the cable not in contact with the plaster. So maybe just a 2 inch deep free space above the cable laid on the plaster board ceiling is compliant for the cable to be part of a ring final fused at 32 amps.